AUI’s Coastal Advantage Program is Expanding its Reach in Florida!

Personal Lines

Appalachian Underwriters’ Coastal Advantage platform is wide open for business in Florida. This program, which is 100% backed by Lloyd’s, is specifically designed for the coastal home insurance marketplace, bringing agents the full spectrum of property solutions with multiple carriers depending on the location and values requested.

Available in Florida (except Monroe County), as well as Alabama, Mississippi and Texas. 

Tri-County Update: OPEN, Minimum Coverage A for HO3 is now $250K (target business $750K or higher), but we also have introduced BRIT Global Specialty for all business less than $250K, written on DP1 and HO8 basis! Additionally, you will see substantial rate decreases on HO3 program for 1995 and newer homes, including larger square footage and higher TIV’s, state-wide.


  • HO3: 12% New – 10% Renew
  • HO8: 17.5% New – 12.55 Renew
  • DP1: 17.5% New – 12.5% Renew


New LOB’s DP1 and HO8:

  • DP1 and HO8: ACV Coverage A from $10,0000 to $250,000
  • No age limitation
  • Designed for Older or Lower Valued homes
  • Wind included 2+ miles from coast
  • Owner and Tenant occupied
  • LLCs and Trusts accepted
  • Up to 2 losses within last 3 years PC 1-10
  • ACV policies
  • No bankruptcy


HO3 Product:

  • Coverage A from $10,000 to $5M, Tri-County minimum $250,000 (HO3)
  • HO3, replacement cost on contents included
  • Primary, secondary and seasonal
  • Tenant, short-term rental, and Airbnb eligible, while written on HO3 (broader coverage than DP3)
  • Wind ALWAYS included
  • 15 optional coverages
  • Up to 2 losses within the last 3 years, total not to exceed $50L
  • LLCs and trusts accepted
  • PC 1-8
  • No bankruptcy


Quote now at or by phone at 888-376-9633, ext. 2005

For more information, contact our Personal Lines team at 888-376-9633, ext. 2048

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