Homeowners and Dwelling Coverage for Fleet Owners
Home, condo and dwelling fire policies placed with carriers that understand your area and your assets.
Personal Property insurance for trucking fleets in 50 states
Homeowners, dwelling fire, and condo policies tailored to your property and located placed with carriers who understand your area.
Prestige Trucking Insurance places personal property coverage for motor carriers running three or more trucks and is licensed in 50 states. We compare A rated commercial trucking insurance carriers to find the coverage your operation needs at the lowest qualified rate available to you.
Why Prestige
- Built for owner-operators and fleets alike
- Compared across hundreds of A-rated carriers
- Tailored limits, deductibles, and endorsements
- Independent advice — we work for you
Who needs it
- → Owner-operators running under their own authority
- → Small to mid-size trucking fleets
- → Carriers hauling regulated commodities
FAQs
How fast can I get a quote?
Most quotes are turned around the same day. Complex risks may take 24–48 hours.
Do you compare multiple carriers?
Yes. We are independent and shop hundreds of carriers to find your lowest qualified rate.
Can I bundle this with other coverage?
Absolutely — bundling often unlocks meaningful discounts. Ask your specialist about packaging.
The deductible structure matters more than the headline premium
Percentage wind and hail deductibles, roof age schedules and actual cash value roof endorsements have quietly reshaped homeowners policies in storm exposed states. Two policies with the same premium can settle a roof claim tens of thousands of dollars apart.
We read those clauses out loud with you, verify the dwelling limit against current rebuild costs, and coordinate a personal umbrella above the home and auto policies.
Flood is never included
Every standard homeowners form excludes flood. If your property sits near water, in a low lying area or behind a levee, the flood policy is a separate purchase and should be reviewed at the same time.
855-643-3881What we verify on a home policy
Dwelling limit
Rebuild cost in today's labor and materials market, not the county tax value.
Roof settlement
Whether the roof is settled at replacement cost or depreciated by age schedule.
Wind and hail deductible
Percentage deductibles that can be many times the all other perils amount.
Umbrella coordination
Underlying limits set so the umbrella actually attaches when it is needed.
Two policies, same premium, different outcome
| Scenario | Budget form | Reviewed placement |
|---|---|---|
| Hail damaged roof, 15 years old | Depreciated payment | Replacement cost where available |
| Hurricane deductible | Percentage of dwelling limit | Quantified and compared before binding |
| Personal liability | Base limit | Sized to support the umbrella |
Questions motor carriers ask
How much dwelling coverage do I need?
Enough to rebuild at current construction costs in your area, which is often higher than the purchase price or the tax assessment. We verify the figure before binding.
Does a homeowners policy cover a home office for my fleet?
Business property and liability at the home are limited or excluded on most forms. A business endorsement or separate commercial policy is usually required.
Should fleet owners carry a personal umbrella?
Owners with business equity to protect usually should, because a personal judgment can reach that equity. Call 855-643-3881 to review the underlying limits first.
Review My Home Policy
Send your declarations page and we will compare deductibles, roof terms and limits.
Fleets of three or more power units across the 50 states we are licensed in.
Personal Property coverage across the 50 states we serve
Filing requirements, limits and endorsements change from state to state. Our specialists review your lanes, loss history, FMCSA safety rating and shipper requirements before recommending personal property limits, then walk you through every policy decision in plain language.
We work with regional fleets, long haul carriers, owner-operators running under their own authority and first year new authority trucking companies. When your fleet crosses state lines, we structure the program so it stays compliant in every jurisdiction you run.
As an independent agency we do not answer to one carrier. We answer to you, which means we can move your account when a carrier pushes an unjustified renewal increase.
Who needs personal property coverage?
Personal Property coverage is for commercial motor carriers whose contracts, lenders or regulators require it, and for fleets that could not absorb the loss out of pocket. A Prestige specialist reviews your operation and returns options from A rated carriers, usually the same business day. Call 855-643-3881.
Regions we serve
- Southeast: Florida, Georgia, Tennessee, North Carolina, South Carolina, Alabama
- Texas and the Gulf: Texas, Louisiana, Oklahoma, Arkansas, Mississippi
- Midwest: Illinois, Ohio, Indiana, Michigan, Missouri, Wisconsin, Minnesota
- Northeast: Pennsylvania, New Jersey, New York, Maryland, Virginia, Massachusetts
- West: California, Arizona, Nevada, Washington, Oregon, Colorado, Utah
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