HO-3, HO-5, HO-8 and more…

All Risks, Ltd., can deliver your Homeowners insurance quote in three convenient ways: online, phone and email. Receive competitive indications, accurate quotes and same-day coverage for specialty hard-to-place single family homes with 1-2 families valued $25,000 to $1,000,000. All Risks has access to the most competitive Homeowners insurance rates available from multiple A.M. Best “A” or better rated and non-admitted carriers. Our insurance brokerage markets have admitted carrier access for homes valued over $1,000,000. All Risks can help you find coverage to help protect against potential financial losses. Contact our specialists today for a quick homeowners insurance quote!


  • Three Ways to Quote: 1) Online, 2) Phone, 3) Email a Specialist
  • “A-” or better admitted and non-admitted markets (online quoting)
  • No geographical or coastal restrictions
  • Low credit scores
  • Claims history
  • Lapse in coverage
  • Coastal (writing up to the water in most states)
  • Protection classes 9 and 10
  • Homes with fire losses (with fire marshall report)
  • Homes with fuses
  • No bankruptcies, foreclosures or repossessions in the last five years
  • Discounted rates available online and over the phone for HO-3, HO-5, and HO-8, policies
  • Homes valued $1M+ will be referred to an underwriter

Email Quoting

Submit a Risk >

Personal Lines Quote Sheet >

Phone Quote



QuickHome Brochure

Need instructions on how to log in?

Download Tutorial >

Submit a Risk
Quote Online
  • HO-3 & HO-8 forms available
  • HO-5 forms available for homes valued as low as $200,000 in some states
  • Primary, secondary, seasonal and rental
  • Protection classes 1-10
  • Hard-to-place risks, including coastal properties
  • Trusts and LLCs
  • All construction types
  • Coverage A Dwelling Property coverage for homes valued $25K – $1M
    • Property
    • Contents Replacement
    • Liability
    • Medical Payments
    • Additional Living Expenses
  • HO-3, HO-5, HO-8, DP-1, DP-3 forms

Additional Options 

  • Increased Ordinance or Law
  • Extended Replacement Cost (homes built in 1950 or newer)
  • Identity Theft
  • Personal Injury
  • Golf Cart coverage
  • Water Back-up
  • Animal Liability (no vicious breeds)

Contact an underwriter:

  • Personal Article Floater
    • Jewelry, furs, cameras, musical instruments (personal use only), silverware, golfer’s equipment, golf carts, fine art, postage stamps, rare and current coins, guns/firearms, bicycles
    • Can be written as a standalone policy or as a package policy
    • Appraisal requirements: jewelry $5,000+ and all other items $10,000
  • Earthquake – availability varies upon state and market
  • Excess Flood – not available in online quoting (Call 877-275-9578 for more information)
    • All Flood Zones (excludes COBRA and non-participating communities)
    • Single family dwellings, 1-4 family dwellings, condo and townhomes
    • Flood Zones A and V require elevation certificates for quoting
    • Up to $5,000,000 TIV
    • No restrictions on coverage limits (Can not be excess replacement cost of home. No minimum requirements)
  • Signed application, QuickHome generates a prefilled application for agents
  • Diligent effort form
  • State affidavit
  • Fire Marshal Report (required if previous fire claim)
  • Additional carrier-specific forms (depending on risk type)

Binding made easy with a centralized bind request e-mail, or call 877-275-9578.

Need Help Right Now?

Complete the short form and an All Risks associate will contact you, or call 800-366-5810.

Agent Reward Program

Earn reward funding for each new personal lines business account bound.

Investing in Our Future

Nick Cortezi, CEO, explains how independence gives us a competitive advantage. Watch Now

Problem Solvers

Matt Nichols, President, explains how we add value to retail agent partners.

Promise to Our Partners

Our business is conducted as a three-way partnership; serving as the intermediary between our clients—retail insurance brokers who allow us to find the proper markets for their insureds and our carriers—the strategic partners that insure the risks that we place. We carefully select our retail broker partners and focus our resources where our abilities and interests best match.

We commit to our carriers that we will always provide all of the pertinent information that we have regarding any risk being submitted to them. We will never be guilty of failing to furnish information that is germane to underwriting a risk, simply because the underwriter did not ask us the right question.