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.

SPECIALTY RESIDENTIAL PROPERTY COVERAGES

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

MISCELLANEOUS PERSONAL INSURANCE COVERAGES

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