Other Personal Lines Products

We offer the following additional Personal Lines Products through various A.M. Best “A” rated, domestic markets and Underwriters at Lloyd’s, London.


Tenant Occupied Dwellings to 4 units

  • Building Values up to $10,000,000 (TIV)
  • Liability to $1,000,000

Vacant Property

  • Building Values up to $10,000,000
  • Renovations to 50% ($400k max.)

RCFE ( Elderly Assisted Living) Residential Property

  • Designed for licensed caregivers  1-4 family units
  • HO 3 and DP 3 forms available
  • Includes Business Income/Extra Expense and limited Bed Bug Liability

F.A.I.R. Plan Companion

  • Designed to complement the California F.A.I.R. Plan Policy
  • Provides same coverage as the Sterling Homeowners Policy ex. Fire & EC
  • Significant credit given off Sterling home policy premiums due to exclusion of Fire & EC

Builder’s Renovation

  • Existing structures to $10,000,000
  • Up to three stories
  • ISO DP1 and DP3


Personal Umbrella/CPL

  • Primary Umbrella
  • Excess Umbrella
  • Target Umbrella
  • Standalone CPL
  • Excess CPL
  • Farmowners CPL

Personal Article Floaters/ Scheduled Property Policies

  •  Worldwide coverage written on Lloyd’s Form
  • Coverage for any size schedule can be provided
  • 24 hour turnaround time for most quotes

Standalone Earthquake – California

  • Minimum Dwelling limit is $2,000,000
  • ICat offered on all risks with dwelling limit under $2,000,000

Special Events Liability

Host Liquor for private events available in some States

Call or e-mail an underwriter today for more information:   

  • Morgan Kern                 Direct Line: 925-395-2109          morgan@lsiins.com
  • Robin Rasmussen         Direct Line: 925-265-4090         robin@lsiins.com
  • Christi Ginn                    Direct Line: 925-395-2106         christi@lsiins.com