Personal Lines

Personal Lines

Auto

Red car in handsLimonette is the perfect place to find competitive preferred auto rates with national carriers for multi-car families that have clean driving records. We provide your customers with very broad coverage that protects them from the risks of lawsuits as a result of damage or injuries that result from the use of their personal vehicles as well as damage to the vehicles themselves.

In most cases we can also place risks with a minor violation at standard rates, often with the same carriers. We have limited market availability for drivers with prior violations and youthful operators who are buying separate coverage. We can also offer non-owned auto coverage on a stand-alone basis. We even have a carrier for drivers who hold an international driver’s license.

Our carrier partners include MetLife, The Hartford, Safeco, Explorer and Unitrin, Travelers, Progressive, Commerce West, and Explorer. (Not all carriers offer all products in all states.)

Dwelling Fire

dwelling-fire

If your clients are looking for a Superior resource for standard broad-form dwelling products, Limonette can help. We supply carriers for well-maintained dwellings that have experienced no losses as well as homes that have sustained minor losses.

We also have the ability to offer markets for harder to place homes as part of a book of business. This includes products for homes that may not meet the requirements of our standard markets, such as homes requiring minor repairs.

Be advised that some of our carriers will require carrying your client’s primary residence before they consider covering dwelling fire. However, we do have the ability to place mono-line dwellings in certain circumstances.

Our carrier-partners include Safeco, The Hartford, MetLife, Travelers, First American Specialty, Geovera, American Modern and Universal, and Pacific Specialty.The coverages provided pay for damage to your client’s investment homes and rental properties, as well as protect them from lawsuits that may result from injuries sustained in or on their covered property.

Homeowners

home-insuarance

Limonette s is a great source for preferred homeowner products. We provide your customers with very broad coverage that pays for damage to their homes and protects them from lawsuits that may result from injuries sustained in their homes.

We have multiple markets for well-maintained homes that have experienced no losses. In many instances, we can also place homes where minor losses have occurred. Often these are written in our preferred markets with limited coverage changes.

We also can provide a market for harder to place homes, as part of a book of business. This includes products for homes that may not meet the requirements of our standard markets, such as brush areas. We also have markets for high value homes.

Some markets provide the convenience of writing package policies with combinations of coverage that offer credits. Other carriers provide additional premium credits for multiple lines of business written with the same company.

Our carrier partners include Safeco, The Hartford, MetLife, Travelers, Chartis, Universal, Pacific Specialty, Commerce west, and Chubb.

Personal Other

personal-other

Limonette is a great resource for personal products to help round out your accounts. Our extensive product offerings include coverage for earthquake, flood, comprehensive personal liability, umbrella, in-home business, Mexican Auto, mobile home, motor home, specialty dwelling, travel trailer and watercraft. Our carrier partners include American Modern, Axis, Pacific Specialty, RLI, Geovera and Seattle Specialty and Pacific Select.

 

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