As an independent agent, you understand that placing personal lines business requires access to carriers with diverse appetites and specialized coverages. Whether it’s insuring a high-value home, providing coverage for a collector’s item, or offering umbrella protection, having the right carrier makes all the difference.
This guide offers a quick reference to personal lines carriers with well-defined appetites and unique capabilities, ensuring you can match your clients with the right coverage efficiently.
Table of Contents
- Jewelry & Valuable Items Specialists
- Homeowners & Property Coverage Leaders
- Manufactured & Mobile Home Insurance Experts
- Broad Personal Lines Coverage Providers
💍 Jewelry & Valuable Items Specialists
Jewelers Mutual
With over a century of expertise, Jewelers Mutual specializes in personal jewelry insurance. Their policies cover loss, theft, damage, and mysterious disappearance, offering flexible repair or replacement options. Ideal for standalone coverage of high-value items like engagement rings, watches, and heirlooms.
Highlights:
- 51+ states
- Offering Valuable Items insurance
👉 Learn more about Jewelers Mutual here.
🏡 Homeowners & Property Coverage Leaders
Kingstone Insurance
Kingstone delivers customizable homeowners coverage with optional endorsements like inland flood, personal cyber protection, and identity theft recovery. They offer up to $1M in liability and coverage for scheduled valuables.
Highlights:
- 5 states
- Offering Home, Condo, Earthquake, Flood, Landlord, Renters, Identity Fraud, Pet, Valuable Items, Auto and Umbrella
👉 Learn more about Kingstone Insurance here.
MAPFRE Insurance
MAPFRE provides competitive homeowners programs, including enhancements for antique or high-value homes. Add-ons like service line, increased limits, and special personal property endorsements allow agents to tailor coverage with ease.
Highlights:
- 11 states
- Offering Home, Condo, Renters, Landlord, Builders Risk / Construction, Earthquake, Flood, Umbrella, Valuable Items, ATV, Auto, Boat, Collectible Auto, Identity Fraud, Motorcycle, Personal Watercraft, RV / Motorhome, Snowmobile, Travel Trailer
👉 Learn more about MAPFRE Insurance here.
MMG Insurance
MMG’s Home Advantage and Ultra packages offer bundled coverage options to meet diverse household needs. They also write renters insurance and support home systems protection, valuable item coverage, and more.
Highlights:
- 3 states
- Offering Home, Condo, Renters, Landlord, Mobile Home, Umbrella, Auto, Boat, Snowmobile
👉 Learn more about MMG Insurance here.
NYCM Insurance
NYCM offers comprehensive home insurance with inland flood options, scheduled property endorsements, and liability umbrella options. They’re a strong fit for homes with custom enhancements or secondary structures.
Highlights:
- 1 state
- Offering Home, Condo, Renters, Landlord, Mobile Home, Builders Risk / Construction, Earthquake, Flood, Umbrella, Vacant Land, Valuable Items, Auto, Collectible Auto, Boat, ATV, Motorcycle, Personal Watercraft, RV / Motorhome, Snowmobile, Travel Trailer, Special Event, Identity Fraud
👉 Learn more about NYCM Insurance here.
Ohio Mutual Insurance Group
Ohio Mutual provides homeowners, auto, renters, farm, and commercial insurance coverage across several states. They offer quality, affordable insurance designed for peace of mind.
Highlights:
- 7 states
- Offering Home, Condo, Renters, Landlord, Farm, Umbrella, Auto
👉 Learn more about Ohio Mutual Insurance Group here.
Orion180
Orion180’s cornerstone personal lines coverage is their HO3 homeowners insurance, designed to protect homes in both coastal and inland markets. This offering is complemented by ancillary products, including collectibles insurance and home & electronics protection plans.
Highlights:
- 9 states
- Offering Home and Flood
👉 Learn more about Orion180 here.
📦🏠 Manufactured & Mobile Home Insurance Experts
King (An Embark Company)
King offers specialized coverage for manufactured homes, mobile homes, and RVs, including solutions tailored to mobile home park owners. They provide flexible options and competitive pricing for these unique risks.
Highlights:
- 3 states
- Offering Mobile Home, Short-Term / Sharing, RV / Motorhome, Travel Trailer, Umbrella.
👉 Learn more about King (An Embark Company) here.
🛡️ Broad Personal Lines Coverage Providers
Peerless Insurance
Peerless provides personal insurance through independent agents, offering a combination of coverage, value, and price. They are backed by the financial strength of Liberty Mutual Insurance.
Highlights:
- 3 states
- Offering Auto, Boat, Condo, Home, Landlord, Personal Watercraft, Renters, Snowmobile, Umbrella, Valuable Items.
👉 Learn more about Peerless Insurance here.
REInsurePro
REInsurePro offers flexible and comprehensive property & liability coverage for investors, consolidating portfolios of various property types on one schedule. They provide nationwide coverage with knowledgeable agents.
Highlights:
- 50 states
- Offering Builders Risk / Construction, Condo, Earthquake, Flood, Landlord, Mobile Home, Short- Term / Sharing, Vacant Land.
👉 Learn more about REInsurePro here.
RLI Insurance
RLI offers an affordable personal umbrella policy to provide extra liability protection over existing home and auto insurance policies. Customers can be protected by $1 to $5 million in additional insurance. RLI also provides tailored home insurance policies for homeowners in Hawaii who face different risks. Independent agents can be found on each island.
Highlights:
- 48 states
- Offering Umbrella
👉 Learn more about RLI Insurance here.
Root Insurance
Root uses telematics to deliver personalized auto insurance pricing based on real driving behavior. Their usage-based pricing approach appeals to tech-savvy consumers and offers a competitive edge.
Highlights:
- 35 states
- Offering Auto
👉 Learn more about Root Insurance here.
Safeco Insurance
Peerless provides personal insurance through independent agents, offering a combination of coverage, value, and price. They are backed by the financial strength of Liberty Mutual Insurance.
Highlights:
- 45 states
- Offering ATV, Auto, Boat, Collectible Auto, Condo, Home, Landlord, Motorcycle, Personal Watercraft, RV / Motorhome, Renters, Snowmobile, Umbrella, Valuable Items
👉 Learn more about Safeco Insurance here.
Safety Insurance
Safety Insurance writes auto, homeowners, and umbrella policies with strong regional performance and solid claims servicing. They are known for personal attention and competitive offerings in select Northeast markets.
Highlights:
- 3 states
- Offering Auto, Boat, Collectible Auto, Condo, Earthquake, Home, Identity Fraud, Landlord, Motorcycle, Personal Watercraft, RV / Motorhome, Renters, Snowmobile, Travel Trailer, Umbrella, Valuable Items
👉 Learn more about Safety Insurance here.
SLB Insurance Group
SLB specializes in small to midmarket property and casualty, trucking, and personal lines insurance. They have built a reputation for reliable production and strong market relationships with an innovative approach to technology.
Highlights:
- 10 states
- Offering Condo, Flood, Home, Landlord, Renters, Special Event, Umbrella, Vacant Land, Valuable Items
👉 Learn more about SLB Insurance Group here.
Sterling Insurance
SLB specializes in small to midmarket property and casualty, trucking, and personal lines insurance. They have built a reputation for reliable production and strong market relationships with an innovative approach to technology.
Highlights:
- 1 state
- Offering Builders Risk / Construction, Farm, Home, Identity Fraud, Landlord, Mobile Home, RV / Motorhome, Renters, Short- Term / Sharing, Umbrella, Valuable Items
👉 Learn more about Sterling Insurance here.
Stillwater Insurance
Stillwater writes personal homeowners, renters, condo, auto, and umbrella policies. Their digital quoting tools and straightforward underwriting make them a reliable option across multiple states.
Highlights:
- 50 states
- Offering Auto, Condo, Earthquake, Home, Landlord, Renters, Umbrella
👉 Learn more about Stillwater Insurance here.
Vermont Mutual Insurance Group
Vermont Mutual offers personal auto, home, and umbrella policies with a commitment to conservative underwriting and stable pricing.
Highlights:
- 1 state
- OfferingCondo, Home, Landlord, Mobile Home, Renters, Umbrella, Valuable Items
👉 Learn more about Vermont Mutual Insurance Group here.
Warrior Insurance Network
Warrior Insurance Network provides a range of personal lines products, focusing on delivering quality coverage and exceptional customer service.
Highlights:
- 13 states
- Offering Auto
👉 Learn more about Warrior Insurance Network here.
West Bend Mutual Insurance
West Bend offers comprehensive homeowners and auto insurance solutions, with a strong reputation for claims service and regional expertise.
Highlights:
- 6 states
- Offering ATV, Auto, Boat, Builders Risk / Construction, Collectible Auto, Condo, Home, Identity Fraud, Motorcycle, Personal Watercraft, RV / Motorhome, Renters, Snowmobile, Umbrella, Vacant Land, Valuable Items
👉 Learn more about West Bend Mutual Insurance here.
Westfield Insurance
Westfield supports agents with a full range of personal insurance offerings—auto, home, renters, and umbrella—along with digital support and long-term agency relationships.
Highlights:
- 10 states
- Offering Auto, Boat, Collectible Auto, Condo, Farm, Home, Identity Fraud, Motorcycle, RV / Motorhome, Umbrella, Valuable Items
👉 Learn more about Westfield Insurance here.
Looking to place personal lines business more efficiently? Whether you’re searching for broad market access or niche specialty coverage, these carriers are ready to support your success. To quickly find the right match for your client’s risk, visit the Market Finder and explore real-time appetite from top personal lines insurers. It’s free, fast, and built for independent agents like you.
