Personal Lines

Working with retail agents nationwide, Amwins' underwriting team delivers personal lines insurance coverage for a wide variety of risks — across a wide variety of markets.

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We add a personal touch to personal lines insurance 

Your personal lines clients need niche coverage options. And they need it in a time-sensitive fashion, without any lapses in communication. As a retailer, you're responsible for securing coverage for your clients' hard-to-place risks — yet without the right relationships or market access, you might be left scrambling to address their immediate business challenges. If you're at a loss about where to begin, Amwins has you covered.

 As the largest P&C wholesale broker in the U.S., Amwins provides access to best-in-class and exclusive personal lines markets to help our retail partners gain a competitive edge for their clients. With the introduction of Amwins Instant Quote (Amwins IQ), our online marketplace, obtaining niche coverage options is now faster and more convenient than ever. Amwins IQ enables swift access to firm, bindable quotes from multiple carriers within minutes, ensuring your clients receive the specialized coverage they need without delay. Unlike brokers who take a one-size-fits-all approach to securing coverage, our local underwriters are exclusively dedicated to personal lines insurance, working alongside you for hard-to-place risks — and even-harder-to-satisfy clients.

 With both admitted and non-admitted markets, as well national and international carriers, Amwins works to place policies as either standalone coverage or part of a larger package.

 From luxury homes to valuable articles and nature-based perils, our personal lines insurance safeguards your clients against the risks they've anticipated — as well as those they haven't.

Amwins InstantQuote provides firm, bindable quotes from multiple A-rated carriers within minutes. Targeting small accounts, our digital solutions combine the ease and convenience of online quoting with the scale of the nation’s largest wholesaler.

Personal lines areas of specialty

High Value Homeowners (including Condominiums)

With options available for both primary and secondary homes and condominiums across all coverage values (including high value), we can tailor coverage to meet all of your client’s needs.

Dwelling Fire

We can cover everything from single-family to multi-family dwellings and unit-owners, including both tenant and owner occupied risks.


Coverage options are available for both primary and excess flood across all flood zones.

Builders Risk

Products available for both ground up and renovation exposures.

Vacant Dwellings

We have multiple products available to cover all of your vacant dwelling needs.

Personal Umbrella and CPL

With both admitted and non-admitted policy options, coupled with incredible expertise, we can cover virtually any exposure.  

Farm & Ranch

Including but not limited to: hobby farms, row crops, cattle (including dairy), orchards, vineyards and more on both a monoline and package basis.

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Hard-to-place risks

From homes with claim activity to coast, brush and forested properties, Amwins assesses hard-to-place risks with the goal of finding the coverage your clients need.


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International network

Amwins' international arm — Amwins Global Risks — places coverage in worldwide markets for your clients when their needs extend beyond domestic territories.  
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Underwriting expertise

With underwriters solely focused on personal lines insurance, who average more than a decade of experience, you can rest assured your clients' coverage is in capable hands.