Personal Lines

A more flexible look at home and tenant risks.

Some personal property situations fall outside mainstream rules even when the exposure is understandable and well managed. ABEX offers broker-accessed homeowners and tenants solutions for selected non-standard circumstances.

A strong fit may include

  • Owner-occupied homes, including eligible multi-unit dwellings up to triplex

  • Owner-occupied homes with a single-family tenant, student or short-term rental exposure

  • Homes on leased land and selected farm properties with land leased to others

  • Owner-occupied condominiums and eligible newer mobile homes

  • Shared accommodations for young professionals, graduate students, foreign students or unrelated tenants

Coverage and capacity highlights

  • Standard or broad form Lloyd’s wording may be available

  • Optional extensions can be considered based on the risk

  • Flexible tenants package for eligible shared accommodation

Help us assess the risk

Include occupancy, number and relationship of residents, rental activity, building updates, protection, valuation, prior insurance and loss history.

  • Homeowners

    Rented properties

    Rented condominiums

    Student rentals

    Seasonal and short-term rentals

    Rooming houses

    Bed and breakfasts

    Mixed residential and commercial occupancies

    Tenant’s packages

  • Type and age of construction

    Occupancy

    Number of units

    Number of tenants

    Property condition

    Location

    Fire protection

    Heating and electrical systems

    Prior insurance

    Claims history

    Rental arrangements

  • Homeowner Application

    Tenants Package Application

Why submit to ABEX?

Personal property risks can vary considerably from one property to another. ABEX provides brokers with another option when a client’s circumstances don’t fit a conventional personal-lines program.

Have a residential risk that needs a closer look? Send it to ABEX.

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