Personal Lines - Homeowners

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We represent some of the top insurance companies in the nation, for your standard and non-standard  line of business. 

At CMS we can offer you products for almost any type of home or dwelling: 

Homes of any age  including  HO-3’s, apartments, 1-4 family dwellings, co-ops and condos. We can also provide coverage for hard to insure homes such as waterfront dwellings or homes with claims. 

Homeowners ,Condo, Renters, Tenant Occupied Homes, Secondary & Seasonal Homes.

We offer online submission for homeowners and online rating for 1-4 family dwelling.  Click on our Quote net link if already have a login or click on Customer Portal for instructions to obtain one.

We have some special programs for High Value Homes. Contact us for more details.

Homeowners Acord Form

High Value Homeowners Program

Having difficulty navigating thru the maze of who can write high value coastal property? Today’s market availability continues to shrink drastically as carriers shift their emphasis to less wind prone territories. Join our team of professionals here at CMS to meet your clients needs.

Written through an. “A” Rated company, backed by a Lloyd’s Syndicate, we can offer limits, with wind included at highly competitive pricing. This HO3 program is designed for homes valued from $250,000 up to $5,000,000, including coastal Florida.  Standard property and liability coverages and options are offered.

• 100% Replacement Cost
• Wind Included
• Flood Available
• Seasonal Dwellings Ok
• Water Back Up//Sump Discharge/Overflow Included•Identity Fraud Expense
• Limited Fungi/Wet/Dry Bacteria
• Business Property
• Loss Assessments
• Ordinance/Law

Submission Requirements: Fully completed ACORDS Supplemental Application