select homeowners

Wooden bungalow on tropical white sandy beach.

With high value homes comes increased exposure.  Your most successful clients require premier and comprehensive coverage.  This elite homeowners’ policy is designed to offer protection and customization beyond that of the standard homeowners’ policy.  Count on Midlands for expertise and assistance in tailoring coverage for your most distinguished clients.


  • Homeowners:
    • Coastal or CAT-exposed properties
    • Builder’s risks including ground-up, mid- or long-term projects and risks under renovation
    • Rentals and short-term rental properties and condominiums
    • Homes with prior losses
    • Vacant dwellings
  • Other Unique Risks: ask us for more information


  • Minimum property value $250,000
  • All ages of homes considered
  • Covered: home and other structures, personal property
  • Unique and unusual construction including log homes considered
  • Homes titled in the name of corporation, LLC or trust
  • California brush fire
  • Most quotes within 48 hours
  • Higher protection classes
  • Multiple losses considered


Ian McCormick
(972) 588-2010