South & Western General Agency, Inc.

Not every Homeowners Risk falls neatly into place . . . that's why South & Western offers several great "A.M. Best Rated A+" programs for all your specialty homeowners needs.

Homes are as different as people . . . we all don't have 2.5 children and not all homes have 2.5 bathrooms! Agents need the flexibility to address homes valued less than $100,000 and those valued over $1,000,000. In addition, just because a customer has had a claim or two, shouldn't determine if he can get coverage at all!

That's why South & Western offers several programs to handle all of your "Specialty Homeowner" needs.

American Modern

Lexington

A.M. Best Rated "A+ VIII"

A.M. Best Rated "A++ XV"
(Not available in all states)

Values from $75,000 - $300,000

Quote and Submit On-Line

HO-A Form (enhanced)

HO-B Form (Modified)

Values *$250,000 and up (no limit) - *Varies by County

Wind Written in 1st Tier

HO-3 Form (Modified)

Fast Quotes - We quote and issue Lexington policies in our office.

Condos, Umbrellas and Floaters also available.

Click Here for American Modern Details

Click Here for Lexington Details

American Modern

Need a home for tough to place Homeowners?

South & Western has the answer with American Modern Insurance Group!

Just because someone files a claim or two or has a ding on their credit rating, shouldn't disqualify them for homeowners coverage. That's why South & Western and American Modern have teamed up to provide you with affordable coverage for those customers that have run into a little bad luck.

We've also added some key enhancements to the program:

Competitive Rates

Up to 4 Claims

HO101 Replacement Cost on Contents

Good Credit Discount

New Home Discount

And you can quote and submit a risk through modernLINK, our on-line system.

Lexington - High Value Homeowners

(Not available in all states)

When it comes to High Values, South & Western has the answer with "LexElite," our high value homeowners program.

From a minimum of $250,000 with No Maximum Limit, customers with expensive homes are no longer a problem. And when it comes to unique risk characteristics, LexElite is up to the challenge!

1st Tier Wind (Wind exclusion optional)

Quotes within 24 hours (in most cases)

Homes with EIFS exteriors

Up to 4 claims (risks with more than 4 claims can be considered)

Customized Older Homes (Risks built prior to 1920 can be considered)

Rental Risks written on HO-3 Form

No set minimum limits on contents - Replacement cost available on any purchased limit

In addition, LexElite can handle many of your other High Value needs including Condos, Personal Umbrella, Personal Articles Floater, Builder's Risk, Rental, Seasonal, Tenant and Vacant Coverages.