Non-Admitted Personal Lines

High Value Homeowners

St. James Insurance Group provides in-house underwriting for High Value Homeowners and High Value Condominium Unit Owners located in Alabama, Florida, Georgia, Louisiana, Mississippi, and South Carolina. Financial security is provided by an "A+" rated insurer on a non-admitted basis.

General Program Parameters

• Available in all regions (Alabama, Florida, Georgia, Louisiana, Mississippi, and South Carolina).
• Coverage excludes wind.
• Form HO-3 Minimum Coverage "A" Dwelling limit $350,000.
• Form HO-6 Minimum combined Coverage "A" and "C" limits $350,000.
• Optional deductible available based on Coverage "A" limit.
• Extended Replacement Cost option available.
• Primary, Secondary and Seasonal Homes.
• Protection Class 7-10 is eligible on an exception basis.
• Corporate/LLC/Trustee owned risks are eligible on an exception basis.
• Homes $1 Million and over require a central station burglar and fire alarm.
• Appraisals will be ordered on all new bound policies.