For Individuals
& Families

Product Portfolio

PERSONAL LINES

Your home is not only where you live, it’s often your greatest asset. Homeowners insurance provides protection for your home and its contents, as well as liability and medical protection for your guests. At Bankers, we know every family is unique, and we have a wide selection of personal lines coverages to meet your diverse needs.

Homeowners

We are currently writing homeowners insurance in Florida, South Carolina, Arizona, Louisiana and Nevada. Your independent agent will help identify discounts you qualify for, and can help you decide which coverage is best for you, including optional protection for special possessions such as computers, jewelry, artwork and so on. Your agent can also help you choose from a variety of extended coverage options including Replacement Cost Coverage for Contents.

Dwelling Fire

Dwelling Fire provides a viable alternative to  homeowners coverage for specific types of residential properties, particularly those that are not primarily owner-occupied. Also attractive for for those who do not want or need the full range homeowners coverage, or for those dwellings that contain more living units than homeowners coverage allows. We also offer coverage for tenant-occupied condos.

 

  

Standard Flood

Floods can happen anywhere, anytime - not just in coastal areas or near lakes and rivers. Torrential rain, snowmelt, mudslides, dam failures and inadequate drainage systems can all cause flood losses. The threat is real and flood insurance should be a high priority for your clients to protect one of their most valuable possessions - their home. And remember, low risk does not mean no risk - almost 25 percent of all flood insurance claims come from areas with minimal flood risk. The federal government requires mortgaged properties in Special Flood Hazard Areas (SFHA) to be insured against flooding. And the rates are set by the government, so they are the same regardless of the carrier you choose. We also offer a Preferred Risk policy starting at $114 for homes in low risk areas. See Products by State link below.

Excess Flood

A Standard Flood policy only protects your home up to $250,000. Yet, with today’s home values, many homes are worth much more than this. Bankers’ Excess Flood product can increase your flood coverage by up to $2 million, depending on your state. Excess Flood provides both building and contents coverage. Bankers also has an Excess Flood product for businesses.

 

 Select to see our list of products offered by state

 Find an Agent

You may also call or email us: 800-627-0000, x4900 (national) or 727-823-4000, x4900 (St. Petersburg, FL); e-mail: BUImarketing@bankersinsurance.com
 
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