The personal lines insurance market has experienced vast changes in recent years, making it difficult for policy holders to find adequate coverage. With extensive knowledge and many years of experience in the personal lines insurance market, Towerstone Select’s Personal Lines team can help you find the right market for those unique and hard-to-place personal lines risks.


  • Primary, Secondary, and Rental (short- and long-term)
  • PC 9 & PC 10
  • Airbnb & VRBO
  • Coverage A limits starting at $100,000 and above
  • High value homes
  • Historic homes
  • Homes with farm exposure (limitations)
  • In-house binding authority up to $5 Million TIV (over $5 Million with approval)
  • HO4 & HO6
  • Difficult homeowners risks (prior losses, credit issues, etc.)


  • High profile, celebrities, professional athletes
  • Youthful operators
  • DUI, Accidents, and other MVR problems
  • Primary and Excess coverage
  • Excess auto coverage


  • Jewelry
  • Fine Art
  • Musical instruments
  • Collectibles & Art Collections
  • Coin & Stamp collections
  • Gun collections
  • Loose stones (must be submitted)


  • Builders Risk & Renovations
  • CPL (Primary & Excess)
  • Flood and Excess Flood
  • Wind and Excess Wind
  • Dwelling Fire
  • Vacant Homes
  • Storage Units
  • Event Insurance (weddings, concerts, private parties)