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Personal Lines

Specialty Personal Lines Products

Hamilton Hilands offers a variety of competitive and comprehensive personal lines solutions such as: homeowner’s products for both coastal (CAT) and interior (Non-CAT) property including primary, secondary, seasonal and rental homes as well as vacants, builder’s risk and spec houses, Personal Umbrellas, and Primary and Excess Comprehensive Personal Liability.

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Specialty Homeowners

  • Up to $10M (Non-CAT) and $5.5M (CAT) TIV per risk
  • Excess flood limits up to $5M for any combination of building and contents
  • Mono-line earthquake, excess flood, excess wind forms also available
  • All risk dwelling & contents coverage and personal property replacement cost
  • Optional extended replacement cost, scheduled personal property, and more
  • CAT Coverage:
    o $5.5M Wind exposure
    o Non-CA earthquake
    o Excess flood
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Personal Umbrella

  • Admitted and Non-Admitted
  • Primary and Excess Umbrella
  • Limits up to $10m ($1m increments)
  • Identity Theft $25k with no deductible
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Personal Liability

  • Primary, Excess and Farmers Personal Liability (CPL or OL&T)
  • CPL: $100K, $300K, $500K, $1M-$5M ($1M increments)
  • Excess CPL: $100K, $200K, $300K, $500K, $1M-$5M ($1M increments)
  • Farmers CPL: $100K, $300K, $500K, $1M