We offer viable insurance solutions and support for the following:

  • Local, Intermediate & Long Haul Commercial Auto
  • Business Auto
  • Workers' Compensation
  • Garage Real Estate & Habitational Risks
  • Contractors
  • Special Events
  • Environmental Impairment

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PREMIER PERSONAL LINES GUIDE

Northern Star Management of California offers access to a wide variety of high-value personal lines products through admitted and non-admitted insurance carriers.  Each carrier has specific underwriting guidelines that we use to help find the right fit for your personal lines insurance. 

Below are guidelines for our major personal lines carriers, all submissions have a 24-48 hour turnaround with a completed ACORD application.  If there is anything you don’t see or have a question on, please contact our office, and ask for our Premier Personal Lines Specialist, and we will be glad to answer any questions.

Contact: Susan Martino
E-Mail: smartino@northernstarins.com
3151 Airway Avenue, Suite M1
Costa Mesa, CA 92626
P: 714.549.3034
F: 714.549.3038
Toll Free: 877.677.7820

Chartis

 

Home

  • $1MM minimum Dwelling Replacement Cost
  • Package business only (3 lines)
  • Extended Replacement Cost of 200%
  • 150 feet brush clearance minimum- possible brush surcharge added
  • Wildfire Protection Unit available in most zip codes
  • Equipment Breakdown, Identity Theft and Primary Flood included
  • Total loss cash settlement option

Private Collections

  • Worldwide Coverage for Private Collections

Personal Umbrella

  • Up to $100MM available for Personal Excess
  • $250,000/$250,000 limit for EPL coverage available for resident employees

Auto

  • Provides up to $1MM combined single limit or $1MM/$1MM split with matching uninsured/under-insured motorist limit
  • If repairs must be made, only original manufacturers’ parts will be used
  • Towing & Labor; Choice of repair shop; Loan/Lease gap coverage; Worldwide liability; Lock replacement; Airbag deployment
  • Transportation Expense and Temporary Emergency Living (Rental Reimbursement)- Provides up to $5,000 with no per day limit; temporary emergency living expenses up to $500 if a loss occurs more than 50 miles from customary garaging location

Payment Plan: 25/25/25/25

Chubb Personal Insurance

 

Home

  • $500,000 minimum dwelling replacement cost
  • 200% Extended replacement cost
  • 150 feet brush clearance minimum- home must have sufficient defensible space
  • Total loss cash settlement option
  • $100,000 Kidnap Expense included
  • Family Protection- Added by endorsement covers Home Invasion, Child Abduction, Car Jacking, Stalking Threat and AD&D
  • Wildfire Defense Services included

Private Collections

  • Worldwide Coverage for Private Collection

Personal Umbrella

  • Up to $100MM available for Personal Excess

Auto

  • Agreed Value coverage allows you to know the settlement value for your auto at the time you obtain the policy and in the event of a covered total loss or theft, Chubb will waive the deductible
  • Options available: Agreed Value, Lease Gap, full window glass & road service coverages
  • Worldwide rental vehicle coverage
  • Will provide up to $5,500 for the “loss of use” of your car automatically at no additional charge- Coverage can be used towards a rental car, hotel accommodations & airfare when the loss occurs 50 miles or more from home

Payment Plan: One pay, Four pay & Monthly

Ace Private Risk Services

 

Home

  • $1MM minimum replacement cost
  • Cash settlement available
  • Must have central burglar and fire alarms if RC is over $1MM
  • Coverage automatically included for identity fraud, kidnap and ransom, home banking records, mortgage re-negotiation, land restoration, personal computers and computer records
  • Deductible waived when a loss exceeds $50,000
  • Kidnap & ransom pays cost of private investigators, attorneys, travel and lost income
  • Lock replacement- Replaces locks if keys are lost or stolen- with no deductible

Collections

  • Valuables- Pays market value up to 150% of scheduled amount of insured item- Blanket coverage option covers a group of items such as jewelry or crystal

Personal Umbrella

  • Umbrella coverage up to $25MM

Auto

  • Agreed Value coverage provided on all auto policies
  • Road service pays for on-the-spot emergency repairs or towing to nearest repair facility
  • Automatic physical damage coverage for non-owned vehicles worldwide
  • OEM parts- Covers use of parts produced by the original manufacturer in repairs
  • One package policy and one bill- Home, Auto, Umbrella & Valuables

Payment Plan: One pay, Two pay, Four pay & Ten pay

Fireman’s Fund

 

Home

  • $500,000 minimum replacement cost ($650,000 in Los Angeles County)
  • In the event of a loss from a brush fire or a fire following an earthquake- Will pay 100% above insured value
  • For all other losses, the company will extend this protection to cover full cost replacement
  • Cash settlement options
  • In-home, personalized consultation for loss prevention and risk management
  • The industry’s first ever green coverage for homes
  • $100,000 medical payments
  • $100,000 kidnap and ransom expense reimbursement

Collections

  • Worldwide coverage for private collections

Personal Umbrella

  • Available up to $100MM limits

Auto

  • Worldwide Liability, Medical Payments, Collision and Other Than Collision coverage for cars borrowed, rented or leased
  • OEM parts (except window glass)
  • Auto Loan/Lease Coverage
  • Must write Home in order to write Auto

Payment Plan: One pay, Two pay, Four pay & Ten pay 

Travelers

 

Home

  • $500,000 minimum dwelling replacement cost
  • No home older than 1950- Homes older than 25 years must have updates
  • Must have central burglar and fire alarms, if replacement cost is over $1.5MM
  • Homes between $1.5MM and $2MM require auto coverage as well
  • Multi-policy discount when you insure both your auto and home with Travelers

Collections

  • Identity Theft Protection- Provides assistance from a consumer fraud specialist and covers expenses related to restoring your good name and financial reputation
  • Valuable Items Plus Endorsement- Provides a blanket of coverage that is broader than what a basic Homeowners policy provides- It is the right coverage for people who own valuable possessions such as jewelry, artwork, cameras & computers
  • Personal Articles Floater-Provides even more comprehensive coverage than the Valuables Items Plus Endorsement- It is the right coverage for people who wish to schedule items that have been carefully selected and whose values exceed the limits of either Homeowners policy or Valuable Items Plus Endorsement

Personal Umbrella

  • Offers an additional $1MM to $5MM of liability protection
  • Must have Auto to write the Umbrella

Auto

  • Minimum auto limits of $50,000/$100,000
  • Hybrid auto discount
  • Down payment must be collected

Payment Plan: One pay & Ten pay