Specialty Homeowners

We've Got Extraordinary Solutions For Your Not-So-Ordinary Insurance Needs.

E&S Partnership

We have partnered with an AM Best A-rated (Excellent) carrier, Highlander Specialty            Insurance Company.  

E&S Coverages

An excess and surplus homeowners policy includes Coverage A, dwelling coverage, which protects the primary structure. Additional coverages are available and can be added to your policy. Your insurance agent can review your specific coverage needs and help you build a policy that's right for you.

An Excess & Surplus policy includes coverage for damage to the structure—your home—in the event of a covered loss.

Dwelling (Coverage A) Limit: $100,000 - $1,000,000*


Coverage B provides coverage for “other structures” located on the residence's premises such as an unattached garage or a gazebo. Coverage B also includes coverage for structures connected to the home by a utility line or similar connection. Other structures that are used in whole or in part for commercial, manufacturing, or farming purposes are not covered. 

Other Structures (Coverage B) Limit: 0% to 70% of Coverage A 

Coverage C is available to cover your personal property such as furniture and clothing. Special limits of coverage apply to many classes of property such as jewelry, electronics, tools, and guns in the event of a covered theft loss. Some personal property like motorized vehicles, satellite dishes, and antennas are not covered. 

Personal Property (Coverage C) Limit: 0% to 75% of Coverage A*

Coverage C - Personal Property does not apply on vacant or unoccupied properties.  

Coverage D provides coverage for the additional living expenses you and your family incur while you are living away from your home which includes the cost of a place to stay, food, and clothing.

Loss of Use (Coverage D) Limit: 0% to 40% of Coverage A 

Coverage D - Loss of Use does not apply on vacant or unoccupied properties. The Maximum Coverage D is 20% for all rental property. 

Coverage E provides coverage that can protect you in situations that may be unforeseen, such as a friend twisting their ankle on a loose step. Liability coverage also covers certain defense costs - even if the lawsuit filed against you is false, groundless, or fraudulent. Coverage E does not cover liability losses caused by an animal you own or keep. Additionally, Coverage E does not cover liability related to business activities. 

Personal Liability Insurance (Coverage E) Limit: $0 - $500,000

Coverage F provides coverage for medical expenses incurred by someone who does not reside in your household who is injured on or by your property. This coverage must be purchased with Personal Liability Coverage. 

Medical Payments to Others (Coverage F) Limit: $0 - $10,000

*Total insurable value up to $1M

Optional Coverages 

We have several optional coverages that can be added to your Excess & Surplus insurance policy. The optional coverages listed below are available in our E&S program. 

  • Course of Renovation
  • Roof Surface Exclusion
  • Roof Deductible Endorsement 
  • Ordinance or Law
  • Personal Property Replacement Cost
  • Personal Injury Liability
  • Golf Cart Physical Damage and Liability
  • Computer Coverage
  • Hurricane Screened Enclosures & Carport
  • Scheduled Personal Property
  • Coverage C Increased Special Limits
  • Roof Surfaces Payment Schedule Endorsement
  • Special Personal Property
  • Dog Liability 

Tip: Check to see if these coverages are included in the insurance quotes you receive. By reviewing coverage carefully, you'll be able to make an accurate comparison, and decide which coverage options are best for you.

E&S lines are not a Florida admitted market. You can view our Privacy Policy here.