Colonial General offers a variety of personal lines programs with multiple carriers 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, Personal Umbrellas, and Personal Valuable Articles. Additionally, Colonial is able to offer Liability on all of the programs listed, with Mono-line Liability available for Vacant Land, Tenant, Owner, and Seasonal. If your risk is not listed, please contact us. We have multiple carriers and programs to choose from.
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. 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.
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.
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 50 years must have complete updates on wiring, plumbing, heating, and roof up to 25 years.
In New Mexico, this program is designed for mobile homes 30 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.
Liability coverage is available on all personal lines programs and mono-line liability is available for vacant land, tenant, owner, and seasonal.
Limits of $1,000,000 to $10,000,000 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.
Our Inland Marine program offers All Risk, Limited or Broad Form, Breakage, Named Perils, and Burglary. We can cover jewelry, furs, cameras, fine arts, guns, contents in a mini-storage unit, golf carts, motorized ground maintenance vehicles, musical instruments, rare coins, and collectibles to name a few.