Personal Lines

Protection for Personal Lines

Jencap is the one-stop shop for all of your personal lines clients’ unique needs. With 30+ admitted and non-admitted carrier partners, we have your monoline and packed policy needs covered. Our industry-leading personal lines underwriters specialize in high-valued homeowners, primary and excess flood, hard-to-place homeowners, and everything in between.

Target Classes of Business

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1-4 Family Rentals

Affluent Homeowners

AirBnB/Vacation Rental Homes

Classic Cars

Coastal Property with Wind


In-Home Businesses

Jewelry/Fine Art/Antiques

Personal Automobiles

Prior Losses

Protection Class 9-10

Secondary/Seasonal Homes

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Trusts, Estates, LLC’s

Vacant Dwellings

Wildfire Prone Areas

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Coverage Solutions

  • High Value Homeowners
  • Dwelling Fires (including Liability and Medical Payments)
  • Builder’s Risk
  • Comprehensive Personal Liability (CPL)
  • Flood (Primary & Excess)
  • Personal Article Floaters
  • Monoline Wind
  • Surplus Lines Homeowners
  • Hurricane / Wind / Named Storm Deductibles
  • Umbrella (Primary & Excess up to $25MM)
  • Yacht / Watercraft

Exclusive Personal Lines Programs

Whether it’s a quote for a closing or to respond to a recent non-renewal by a standard carrier, Jencap provides coverage for primary and secondary homeowners and dwellings, including vacant and rentals. In addition, Jencap’s portfolio includes coverage for excess flood, personal article floaters and personal umbrella or excess coverage. Most coverage can be tailored in order to insure a specific type of property or individual need.

Fine Art and Collectibles

This program insures collections for their full collectible value as established by the policy holder.

MiniCo offers scheduled and/or unscheduled coverage up to $1,000,000 for fine art and a wide variety of valuable collectibles in hundreds of categories. Collections are insured for their full collectible value. The policyholder establishes the value of the collection, and no appraisal is required at the time of application. We offer a simple online portal to quote and bind policies, and the program is provided in partnership with an AM Best A-rated carrier. This program is available nationwide.

Program Contact

James Appleton

Learn More

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