Your home isn't standard and your insurance policy shouldn't be either. You need specialized coverage that will take care of the things that matter to you. Our insurance companies are flexible and understand your needs. We are happy to offer coverage choices for all different types of homes and homeowners. Lucky for you, WE can help you choose the right insurance policy for your home, so you can relax while someone else takes care of the paperwork!

Do we insure you?

Royal Stone Insurance Agency specializes in insuring homes that may not qualify for "standard" or "preferred" insurance for one reason or another. We sell both homeowners and owner-occupied policies that cover the following kinds of properties and risks:

• Primary residences, seasonal and secondary homes
• Homes older or lower in value
• Homes with minor cosmetic conditions
• Applicants with credit or loss issues
• Applicants who have been declined, cancelled or non-renewed by another insurance company
• And more!

Visit our Agency to help you choose the right insurance policy for your home.

We've got you covered with flexible home insurance options:

• Comprehensive Property Coverage.

  This means we cover most direct, sudden and accidental physical losses that aren’t specifically excluded in your policy.

• Named Peril Coverage.

  This means we cover "perils" (fire, explosion, lightning, windstorm and hail damage) which are specifically named in your policy, subject to policy exclusions and conditions.

• Liability Coverage.

  This provides coverage if you're found legally responsible for an accident that causes injury to someone who doesn't live in your home or causes property damage to another's property.

• Actual Cash Value.

  If your home is destroyed by an insured loss, this covers the cost to replace or repair your damaged property, with a deduction for depreciation, which reflects the age and condition of your home.

• Replacement Cost.

  If you purchase a Replacement Cost policy and your home is destroyed by an insured loss, the settlement reflects the cost to replace the damaged items with new property of comparable material and quality, without any deduction for depreciation.

• Extended Replacement Cost.

  You can receive an additional 25% - 50% of the insured amount, to replace your home! (not available in all programs).

• Popular optional coverages:

  • Additional Living Expenses
  • Replacement Cost Coverage on Personal Property
  • Addition Coverage for jewelry, watches and furs
  • Business Property and Liability
  • High Liability Limits
    

You Choose!

Our insurance companies offer flexible payment plans, including pay on-line, by mail or electronic funds transfer. Keep in mind that higher deductibles can help lower the cost of your premium.

Do we insure you?

We insure mobile homes, manufactured homes, park models, modular homes, rental mobile homes and commercial mobile homes.

Our Mobile Home Insurance has you covered:

• Comprehensive Coverage.

  This means they cover most direct, sudden and accidental physical losses like: fire, lightning, explosion, vandalism, landslide, falling objects, explosion, attempted or actual burglary or robbery, water damage from bursting pipes, damage by wild or stray animals, collapse from the weight of ice and snow, and wind or hail damage.

• Optional Replacement Cost.

  Purchase Optional Replacement Cost coverage and get a settlement that reflects the cost to replace the damaged items with new property of comparable material and quality, without any deduction for depreciation. In most states, you can receive up to an additional 20% of the amount of insurance for your home if needed to replace your home!

• Agreed Loss Settlement.

  If your home is destroyed by an insured loss, you receive the full amount of insurance for your home (minus any applicable deductible).  No hassles.

• Liability Coverage.

  This provides coverage if you’re found legally responsible for an accident that causes injury or property damage to someone who doesn’t live in your home. It covers costs like their medical bills, lost wages, pain and suffering, and property damage.

• THEY offer all the “EXTRAS!”

  • Additional Living Expenses
  • Trees, shrubs, plants and lawns
  • Debris removal
  • Emergency Removal Service and
    Emergency Repair after a loss
  • Credit card and check forgery
  • Fire Department service
  • Food spoilage coverage

• Popular coverage options to choose from:

  • Hobby farm or ranch liability
  • Identity fraud expense and management including monitoring
  • Incidental business liability
  • Personal injury
  • Water damage from sewers and drains
  • Earthquake coverage
  • Trip coverage when moving your home
  • Personal Liability coverage on additional residences
  • Scheduled Personal Property coverage
  • Replacement cost coverage (mobile home, other structures and personal belongings)
    

You Choose!

Our insurance companies offer flexible payment plans, including pay online, by mail or electronic funds transfer. Keep in mind that higher deductibles can help lower the cost of your premium.

Do we insure you?

Our insurance company specializes in vacant home insurance and accepts a broad range of vacant homes. They accept vacant homes valued up to $1 million, and there is no restriction on the age of the home!

We also sell homeowners and owner-occupied policies that cover the following kinds of properties:

• Homes for sale
• Homes in the name of an estate
• Homes under renovation
• Rental properties between tenants
• Homes of varying ages
  

While other insurance companies don't offer flexible coverages, our insurance company does and is there to help you save your money. Our insurance company specializes in great vacant home insurance coverage, which can be renewed for up to three years of coverage with pro-rated cancellation. They love vacant homes! Many other companies shy away from insuring vacant homes, but not our insurance company. They make it easy for you to move, renovate your home or put it up for sale. And you won't get stuck paying for a longer term than you need. Nice. Lucky for you, Royal Stone Insurance Agency can help you choose the right vacant home policy for your vacant home property, so you can relax while someone else takes care of the paperwork!

We've got you covered:

• Named Peril Coverage.

  This means they cover "perils" (fire, explosion, lightning, windstorm and hail damage) which are specifically named in your policy, subject to policy exclusions and conditions.

• Vandalism and Malicious Mischief Coverage.

  Many companies don't offer this important coverage on an unoccupied home, but they do.

• Full 12 Month Policy.

  This means that they offer flexible payment plans and a pro-rated cancellation, if you need to cancel before your year is up. We also offer options to renew for up to four years.

• Agreed Loss Settlement.

  If your home is destroyed by an insured loss, you receive the full amount of agreed upon insurance for your home (minus any applicable deductible).  No hassles.

• Liability Coverage.

  This provides coverage if you're found legally responsible for an accident that causes injury to someone on the rental premises or causes property damage.

• Actual Cash Value.

  In the event of a covered loss, this covers the cost to replace or repair your damaged property, with a deduction for depreciation, which reflects that age and condition of your home.
  

You Choose!

Our insurance companies offer flexible payment plans, including pay on-line, by mail or electronic funds transfer. Keep in mind that higher deductibles can help lower the cost of your premium.

Do we insure you?

Our insurance companies specialize in seasonal home insurance policies. Lots of homes don't qualify for "standard" or "preferred" homeowners insurance for many different reasons. Our insurance companies specialize in homes that many not qualify elsewhere, including seasonal or secondary properties, as well as properties in rural areas. Visit Royal Stone Insurance Agency to help you choose the right Seasonal home insurance policy for your seasonal home.

We also insures vacation rental homes - this is defined as a dwelling which is non-owner-occupied and rented to others for temporary habitational or vacation purposes, not to exceed five consecutive months by one tenant.

Your seasonal home isn't standard and your insurance policy shouldn't be either. You need specialized seasonal home insurance coverage that will take care of the things that matter to you. We specialize in seasonal home insurance and understands your needs. Lucky for you, we can help you choose the right seasonal insurance home policy for your seasonal home, so you can relax while someone else takes care of the paperwork!

We've got you covered:

Choices! You can choose a package that fits your seasonal home or vacation property or create your own customized policy. You choose what fits with your needs. Don't forget, we also offers vacation rental home insurance!

• No primary residence requirement.

  Unlike other companies, our insurance companies  don’t require that your primary residence be insured with us in order to insure your seasonal or secondary property.

• Comprehensive Property Coverage.

  This means we cover most direct, sudden and accidental physical losses that aren’t specifically excluded in your policy.

• Named Peril Coverage.

  This means that we cover "perils" (fire, explosion, lightning, windstorm and hail damage) which are specifically named in your policy, subject to policy exclusions and conditions.

• Liability Coverage.

  This provides coverage if you're found legally responsible for an accident that causes injury to someone who doesn't live in your home or causes property damage to another's property.

• Actual Cash Value.

  In the event of a covered loss, this covers the cost to replace or repair your damaged property, with a deduction for depreciation, which reflects the age and condition of your home.

• Agreed Loss Settlement.

  If your home is destroyed by an insured loss, you receive the full amount of agreed upon insurance for your home (minus any applicable deductible). No hassles.

• Optional Replacement Cost.

  Purchase Optional Replacement Cost coverage and get a settlement that reflects the cost to replace the damaged items with new property of comparable material and quality, without any deduction for depreciation.

• Extended Replacement Cost.

  You can receive up to 25% of the insured amount, to replace your home! (not available in all states)
• We also offer choices for:
• • Replacement Cost coverage on personal property
  • Additional coverage for jewelry, watches and furs
  • Business property and liability
    

You Choose!

Our insurance companies offer flexible payment plans, including pay on-line, by mail or electronic funds transfer. Keep in mind that higher deductibles can help lower the cost of your premium.

What types of Rental Properties do we insure?

We specialize in landlord insurance. Here are some examples of the types of homes that our program covers:

• Duplexes, triplexes and quads
• Converted Victorians
• Row homes
• Properties with up to four living units
• Older and lower-value homes
• Homes with minimal cosmetic conditions
• Vacant homes
• Properties under renovation
• Fixer-uppers
• Vacation rental homes - this is defined as a dwelling which is non-owner-occupied and rented to others for temporary habitational or vacation purposes (daily, weekly or monthly), not to exceed five consecutive months by one tenant.
  

Your rental property isn't standard and your insurance policy shouldn't be either. You need specialized coverage that will take care of the things that matter to you as a landlord. We specialize in landlord insurance and understand what's important to landlords. Lucky for you, we can help you choose the right landlord insurance policy for your rental property, so you can relax while someone else takes care of the paperwork!

Our Landlord Insurance has you covered for your rental property:

Choices! As a landlord you can choose a package that fits your rental property or create your own customized policy. You choose what fits with your needs. Don't forget, We also offer vacation rental home insurance!

• Comprehensive Property Coverage.

  This means we cover most direct, sudden and accidental physical losses that aren’t specifically excluded in your policy.

• Named Peril Coverage.

  This means we cover "perils" (fire, explosion, lightning, windstorm and hail damage) which are specifically named in your policy, subject to policy exclusions and conditions.

• Optional Replacement Cost.

  Purchase Optional Replacement Cost coverage and get a settlement that reflects the cost to replace the damaged items with new property of comparable material and quality, without any deduction for depreciation.

• Agreed Loss Settlement.

  If your home is destroyed by an insured loss, you receive the full amount of agreed upon insurance for your home (minus any applicable deductible).  No hassles.

• Actual Cash Value.

  In the event of a covered loss, this covers the cost to replace or repair your damaged property, with a deduction for depreciation, which reflects the age and condition of your home.

• Extended Replacement Cost.

  You can receive an additional 25% of the insured amount, to replace your home! (not available in all states)

• Liability Coverage.

  This provides coverage if you're found legally responsible for an accident that causes injury to someone on the rental premises or causes property damage.

• We also offer choices to help protect you as a landlord:

  
  
  • Loss of Rents
  • Liability limits
  • Personal Injury
  • Landlord
  • Other Structure
  • Repair Cost
  • Water Damage from Sewers and Drains
    

You Choose!

Our insurance companies offer flexible payment plans, including pay on-line, by mail or electronic funds transfer. Keep in mind that higher deductibles can help lower the cost of your premium.