Personal Lines Insurance

redbox red box
personal

IT ALWAYS SURPRISES US WHEN OUR AGENTS ARE UNAWARE THAT S.H. SMITH & COMPANY HAS THE ABILITY TO WRITE PERSONAL LINES INSURANCE.

Let's face it; the insurance industry is a fickle business. Carrier appetites and rating strategies change frequently. So, if you are faced with a non-renewal, increased rates, or are just less than thrilled with your personal lines insurer, S.H. Smith & Company can help. We have the ability to write all personal lines, even the harder to place such as high net-worth clients with high value or unique home exposures. We also now offer Group Excess, which is a unique product that offers excess liability coverage over multiple personal lines exposures for business partners/ associates and or employees.

Our Product Line Includes:

Homeowners Coverage

  • High value net-worth clients
  • One to four family dwellings, log homes, wood stoves and unique homes acceptable
  • Primary and secondary homes
  • Homes with coastal exposure
  • Homes with daycare exposure
  • Personal article floater -jewelry, fine art, furs, collections
  • Watercraft and automobile -considered with whole account minimum home value $750K

     

     

    Homeowners Coverage with home-based businesses on a separate BOP. Business classes included but not limited to the following: (not sure if that is worded correctly)

  • Bakers
  • Crafters
  • Disc Jockeys
  • Exercise Trainer
  • Event Planner
  • Tax Preparer

     

     

    Personal Umbrella Coverage

  • Limits $1M to $10M
  • High profile career, DUI considered
  • Group Excess Liability

     

    Comprehensive Personal Liability

  • Up to $1M limit
  • Excess CPL over $100K underlying coverage

     


    So, whether you have a unique personal lines exposure to cover, or you are just not as satisfied with your current personal lines provider, we welcome the opportunity to show you the S.H. Smith & Company difference. We invite you to contact one of our personal lines experts for additional information on our offerings and our full spectrum of insurance solutions.


    contact This e-mail address is being protected from spambots. You need JavaScript enabled to view it.
    Personal Lines Underwriter
    860-656-1254

    This e-mail address is being protected from spambots. You need JavaScript enabled to view it.
    Personal Lines Underwriter
    781-247-6220

     

  • check RECENT SUCCESSES

     

    PACKAGE:

    Home
    2M Dwelling
    1M Personal Property
    1M Liability

    Home rented to others
    1M Dwelling
    10K Personal Property-liability extended from primary
    5K Deductible

    Personal Umbrella
    Limits: $5M with $1M XS UM/UIM

    Total Package Premium: $10,458

     

    SEASONAL HOME:

    Located on Martha's Vineyard, MA
    615K Dwelling

    Premium: $5,378

     

    TWO FAMILY OWNER OCCUPIED HOME:

    Located in New Haven, CT with previous losses
    560K Dwelling

    Premium: $3290

     

     

     

     

     

     

     

     

     

     

     

     

     

    WWW.SHSMITH.COM

    For general information about S.H. Smith & Company, feel free to contact any of our Regional Sales Managers listed below. For any region not listed, please contact our President, This e-mail address is being protected from spambots. You need JavaScript enabled to view it. or call us at (800) 356-0168. S.H. Smith & Company is a national firm, licensed to write in all 50 states.

    Connecticut
    This e-mail address is being protected from spambots. You need JavaScript enabled to view it.
    (860) 656-1272
    Massachusetts
    This e-mail address is being protected from spambots. You need JavaScript enabled to view it.
    (781) 247-6225
    New York / Vermont
    This e-mail address is being protected from spambots. You need JavaScript enabled to view it.
    (860) 656-1206
    OH / KY / IN / Midwest
    This e-mail address is being protected from spambots. You need JavaScript enabled to view it.
    (440) 930-0543
    Indiana/Michigan/OH
    This e-mail address is being protected from spambots. You need JavaScript enabled to view it.
    (937) 938-1532
    MN / Upper Midwest
    This e-mail address is being protected from spambots. You need JavaScript enabled to view it.
    (651) 414-3862
    Ohio
    This e-mail address is being protected from spambots. You need JavaScript enabled to view it.
    (860) 656-1228

    CONNECTICUT, FLORIDA, MASSACHUSETTS, MINNESOTA, NEW YORK, OHIO, RHODE ISLAND

    twitter linkedin