Colonial General offers a variety of personal lines programs that can protect everything from your clients' automobile(s) to their watercraft, to their home.We offer Dwelling Coverage, Preferred Homeowner, Auto, Excess and Watercraft, Basic/Deluxe Homeowners, Mobile Home, and Personal Umbrellas. Additionally, Colonial is able to offer Liability on all of the programs listed below, with Mono-line Liability available for Vacant Land. If your risk is not listed, please contact us, as we may be able to place the risk in another department.
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Our Dwelling Coverage is written on a DP-1 or DP-3 form depending on the risk. We offer coverage under this program for 1-4 Family Dwellings, ranging from the very old or poorly maintained home, to the high value home in need of short-term coverage, pending sale. Coverage for vacant dwellings, homes in unprotected areas, short-term policies, seasonal-tenant, or owner occupancies are also offered. We also have a special program for monthly or weekly rentals of a dwelling available.
Preferred Homeowner, Auto, Excess, & Watercraft Coverage
This program is designed for Luxury Homes $500,000 and over. Coverages include fine arts and jewelry, private passenger auto coverage, including expensive luxury vehicles and collector’s antique vehicles, excess as well as yacht and watercraft coverages are offered. This is the best protection available for your affluent client.
Basic Homeowners & Deluxe Homeowner Program
This program is for dwellings used as primary homes. The house should be one that would usually qualify for the standard market, but due to certain circumstances such as losses or poor credit, it needs a carrier designed for such. Homes older than 30 years must have complete updates on roof, wiring, plumbing, and heating.
Mobile Home Program
In New Mexico, this program is designed for mobile homes 20 years old or newer. Occupancy can be owner or tenant. In Utah, Idaho, Colorado, and Wyoming, the mobile home must be 40 years old or newer. Owner, tenant, or vacant occupancies are available in these states (For business written through our UT office, the three above occupancies will be placed under our seasonal program). This program is not available in Nevada or Arizona.
Liability coverage is available on all personal lines programs and monoline liability is available for vacant land.
Personal Umbrella Program
Limits of $1,000,000 to $20,000,000 are available. Coverage is available for target risks, sport figures and nationally known individuals. This coverage can be written on a stand-alone basis. Underlying limits must be in place with AM Best rated company of B+ or better.