New coverages with!

Personal Lines

Appalachian Underwriters is pleased to announce that our program now offers Tenant, Short-term Rental and Air B&B coverages with Liberty Surplus Insurance Company! To quote it, just select the occupancy type of Tenant and duration of usage in months. For ease in quoting, anything less than 12 months will be treated as a Short-term or Air B&B occupancy. Please note a 10% surcharge to the base premium will be applied.

Program Highlights:

  • Coverage A, from $100K to $44M TIV
  • Primary, secondary and seasonal (as HO3) and vacancy allowed
  • Tenant, Short-term Rental and Air B&B eligible, while written on HO3 (broader coverage than DP3)
  • AOP & Wind/Hail Deductibles of $1,000, $2,500 & $5,000
  • Writing Tier 2 and Inland Marine with the ability to write Tier 1 in GA, SC and NC as long as 3 miles off waterways or coast
  • Up to 3 losses within the last 3 years. No severity restrictions
  • PC 1-8
  • No age of home restrictions
  • LLCs and trusts accepted
  • Bankruptcy allowed
  • Cancelled, declined and non-renewal all eligible


Optional Coverages NOW Available Too:

  • Full Scheduled Personal Property!
  • Extended Replacement Cost!
  • Water Backup
  • Coverage C – Increased Special Limits
  • Golf Cart Insurance
  • Personal Injury
  • Identity Restoration Expense
  • Equipment Breakdown
  • Utility Breakdown
  • Sinkhole Coverage (Liberty Only) – to FULL TIV
  • Increased Loss Assessment
  • Limited Mold
  • Increased Limits on Business Property
  • Increased Ordinance
  • Personal Property Special Perils


For any questions on these new coverages, please contact 1-888-376-9633, ext. 2026

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