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Homeowners

Homeowners Coverage This package policy provides both property and liability coverage to the owner-occupant of the home, whether or not the home is the insured's primary or secondary residence. Principal property coverages include coverage for the residence, related private structures, personal property, and additional living costs.

Manufactured Home Coverage A Mobile Homeowners policy or a Modular Homeowners policy is a package policy providing both property and liability coverage to the owner-occupant of the manufactured home. Over time the mobile home has evolved to become known as the Manufactured home. Principal property coverage's include coverage for the residence, related private structures, personal property, and additional living costs.

Tenant Coverage This package policy provides both personal property and liability coverage to the people who rent or lease their home.

Condominium Coverage Coverage for the unit owner's interest in the fixtures, additions and alterations can be provided in this policy. This is a limited policy to cover what your Condominium Association master policy may not cover. It will also cover your personal belongings and liability.

Dwelling Fire This policy provides coverage for when you own a property and rent it to others. Some refer to these types of policies as a landlord policy. This type of policy covers property and premises liability.

Ocean Marine

Private Pleasure Boats Under 24 Feet - Roamer A roamer policy is a package policy providing actual cash value coverage to the property (hull, motor, trailer, etc.) and liability (protection and indemnity) coverage. This policy can be offered to performance boats with modifications to coverage.

Private Pleasure Boats Over 24 Feet - Skipper A skipper policy is a package policy providing agreed value coverage to the property (hull, motor, trailer, etc.) and liability (protection and indemnity) coverage.

Commercial Boats Under 24 Feet - Commercial Roamer A commercial roamer policy is a package policy providing actual cash value coverage to the property (hull, motor, trailer, etc.) and liability (protection and indemnity) coverage. This program is intended to cover boats used for crabbing, crab potting, oystering and similar boats.

Commercial Boats Over 24 Feet - Commercial Marine A commercial marine policy is a package policy providing agreed value coverage to the property (hull, motor, etc.) and liability (protection and indemnity) coverage. This program is intended to cover sportfishing, headboats, boats used for crabbing, crab potting, oystering and similar boats.

Farm

Farmowners This type of policy is very similar to the Homeowners coverage. It is a package policy that provides both property and liability coverage to the owner of the farm. In addition to the normal ranching or single crop/multi-crop farming we also write specialty farms.

Farm Fire This policy provides coverage for a dwelling, barn or other structure on a stand alone basis.

Commercial

Business Owner This package policy provides property coverage and business liability for office buildings. Currently, the Business Owner policy is only available in the state of Maryland.

Commercial Package The commercial package policy provides property coverage, equipment breakdown and business liability for small to medium sized businesses. The policy can be customized for your insured's needs to include an array of optional coverage and endorsements.

Examples of eligible classifications include:

  • Apartments
  • Condominiums
  • Lessor's Risks with habitational
  • Restaurants
  • Office Buildings

Commercial Fire This policy provides protection for your client's building and business property along with optional coverages to include business income and other optional endorsements. There is no liability coverage on the Commercial Fire policy.

General Liability This policy provides liability coverage for premises, operations along with medical payments.

Inland Marine This policy can be written to complement another policy or can be written on a monoline basis. We offer a range of Inland Marine products for small to medium size businesses.

Examples of eligible classifications include:

  • Contractor's Equipment
  • Exhibition Floaters
  • Builder's Risk

Auto Physical Damage A monoline policy that provides protection for your client's commercial trucks. These policies are only available in Pennsylvania and Virginia.

Flood

Losses due to flooding are not covered under typical homeowner’s and business insurance policies. Windsor-Mount Joy has partnered with the National Flood Service and The National Flood Insurance Program to assist you with obtaining flood insurance. Depending on your proximity to the coast or to other bodies of water, you may be at risk of a significant loss if you don’t have the proper coverage.

Click here to see what the risk of flooding is at your location.

Click here to learn more about the National Flood Insurance Program through FloodSmart.gov.

Click here to find out more information from FEMA and The National Flood Insurance Program.

To purchase coverage for flood, please express your interest to your agent, and tell them that you read that Windsor has flood coverage available through the NFIP.