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PERSONAL LINES

CMS, LLC Insurance offers a wide variety of personal insurance lines to suit your client's needs.  In this current economic climate, price becomes all the more important.  That's why we offer several carriers to ensure  that we can handle almost any risk that meets your client's needs at the lowest premium. We have the ability to provide you with quick quotes for most of our personal lines products.  Our personal lines professionals stand ready to assist you and work with you so that you receive the product you need at the best price

At CMS, LLC we offer both the standard and non-standard carriers for all types of Personal lines accounts.
Our broad range of carriers permits us to work on the most basic risk to the more complicated that requires the non-standard marketplace.

If you are not sure what you need or which direction you need to go, simply contact us and we will work with you to ensure you get exactly what you need at the right price. Our professionals are standing by to work with you!

Homeowners


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

At CMS, LLC 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

Your client's homes are an investment and homeowners insurance helps protect their investments, whether big or small.

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

At CMS, LLC 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, secondary homes, seasonal and condos. We can also provide coverage for hard to insure homes such as waterfront dwellings or homes with claims. 

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 

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, LLC to meet your clients needs.

Rather written through an “A” Rated company, backed by a Lloyd’s Syndicate or one of our standard carriers, we can offer limits, with wind included at highly competitive pricing. This HO-3 program is designed for homes valued from $250,000 up to $5,000,000, including coastal Florida.  Standard property and liability coverage's 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

Auto


CMS, LLC  offers access to several carriers in both the standard & non-standard markets including the hard to place risks.

Our companies have the ability to accommodate  all type of drivers including those with poor driving records, accidents  and drivers of any age.

We offer products for those hard to place vehicles including antique and specialty vehicles.  CMS, LLC can provide coverage for replacement value or stated amount. In addition, high limits of liability are also offered for your clients who need it.

For more information about our Personal Lines Auto products contact our Personal Lines department today. 

 

Personal Liability


In some cases a home or dwelling won't fit with a standard homeowners product. At CMS, LLC we have the markets to accommodate those situations.

We can provide access to Mono-line Comprehensive Personal Liability for homes that cannot secure a standard home owners policy with liability.   This also includes the ability to offer Excess Liability.

For those hard to insure homes package dwelling fire with Comprehensive Personal Liability polices to provide maximum coverage for you client. 

We offer online quoting available for instant quotes for this product.  Click on the "Get Quote" logo to access the online rating for this product, or contact our Personal Lines professionals for assistance.

Flood

Homeowners insurance does not typically cover flood and a separate policy is needed to cover this peril.  CMS, LLC is able to provide flood insurance for all types of homes including renters.  

Contact us for more details.

CMS, LLC Personal Lines Team

Boat

Our boat programs provide comprehensive basic coverage with personalized enhancements designed to match your clients needs.

  • Liability Coverage
  • Personal Property Coverage
  • Physical Damage Coverage
  • Towing and Assistance Coverage

 

 

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