Property Insurance

Home / Personal Lines / Property Owner

Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

Become a Producer

We write the tough risks and producers reap the rewards. Whatever the unique underwriting characteristics that make a risk difficult to place, we adapt to specific needs and concerns.

Learn More about becoming a producer.

A Producer agreement is not necessary to receive a quote. However, an agreement must be completed in order to bind coverage.

Liability Insurance For Property Owners

There are many benefits to owning property. Unfortunately, it only takes one unforeseen accident to cause harm to your client’s property and jeopardize their financial security. Whether they own residential property, commercial property, or projects that are under construction, Prime Insurance Company can provide protection from litigation that could jeopardize their future. When accidental disaster strikes, your clients will need more than standard coverage to protect themselves and their personal assets. Prime Insurance Company can write liability insurance for property owners to help safeguard them from life unexpected. 

Classes (who we can help)

We can help insurance producers (agents and brokers) that are looking to write more business for their clients who own a high-value house.

We can help those who have been canceled, denied, or non-renewed by another insurance carrier, including those who have a claims history.

Prime can also cover the gaps and gray areas in existing policies, including the unique characteristics of properties such as coastal areas, wildfires, etc.

Please see below for the types of properties we can insure.

Coverages (listed A-Z)

  • Animal Liability
  • Collapse
  • Dwelling
  • Earthquakes
  • Fire
  • Flood
  • Other Structures
  • Personal Liability
  • Personal Property
  • Replacement Cost
  • True Umbrella / Excess Liability
  • Vandalism
  • Wildfires
  • Wind

Types of Properties We Insure

Commercial Property

Most businesses own and utilize a broad range of physical assets, like the building or facility, equipment, and inventory. Carrying adequate insurance coverage is essential for protecting these valuable investments from losses resulting from fire, theft, explosions, weather-related, and other perils. Learn more about commercial property insurance, here.

Condos

Prime can write customized coverage for condos and other types of properties. Our condo insurance can cover what your client’s HOA doesn’t and protects your client’s individual condo unit against certain losses. It protects the interior of the condo such as floors, walls, tiling, and more.

HOA Insurance

Homeowners Associations (HOA) can provide a lot of great benefits, however, there can be gaps in your client’s homeowners insurance policy. Purchasing an HOA insurance policy can protect your client and the association from damages and costs in the event of a lawsuit or claim. Some HOAs require extra coverage and Prime can step in to fill the gaps.

Mobile Homes

Mobile home insurance is for owners of mobile homes including single wides and double wides, campers, RVs, trailers, and more. It can protect your home and your belongings from perils such as fire, flood, wind, and more.

Multi-Dwelling Units or Multi-Family Homes

If your client owns a multi-dwelling building or several buildings under one complex, they need to have comprehensive multi-family home insurance also known as multi-family property insurance. Prime can write customized coverage designed to fit your client’s needs.

Apartment Buildings

Prime can write customized insurance for apartment building owners. Common perils such as fire, wind, and earthquake are not always covered by a standard insurance policy. Prime can step in to fill the gaps and provide the coverage your client needs.

Non-Standard Homeowners

Prime can write non-standard homeowners insurance meaning if your client is unable to acquire homeowners insurance from the standard or admitted market, then they might need help from an excess and surplus lines insurance company like Prime. Learn more about our non-standard homeowners insurance.

High-Value Homes

High-value homes often need specialty insurance coverage and we can write a customized policy to fill the gaps. High-value houses include houses in coastal areas, houses with high-value assets such as vehicles, jewelry, art collections, and more. Learn more about high-value home insurance.

And More

It does not matter what type of property your client owns because Prime can write customized coverage. We would be happy to look at your client’s situation and provide options!

Questions to Consider:

Does your homeowners insurance coverage address all of your needs when it comes to your ownership of additional residential or commercial properties?

Homeowners insurance only covers your immediate property and possessions in the event of a loss. Additional properties require property owners coverage.

Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

Applications Personal Liability Application

Become a Producer

We write the tough risks and producers reap the rewards. Whatever the unique underwriting characteristics that make a risk difficult to place, we adapt to specific needs and concerns.

Learn More about becoming a producer.

A Producer agreement is not necessary to receive a quote. However, an agreement must be completed in order to bind coverage.