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Serving independent insurance agents since 1954

Personal Lines

The Personal Lines Department here at Bloss & Dillard Inc. can provide you with a variety of coverage for your specific needs. From dwelling fire coverage to inland marine, and manufactured homes to personal umbrella, we’ve got you covered. We write with A-rated carriers or better. We strive to exceed your insured’s needs.

Dwelling Fire:

Our dwelling fire programs offer coverage for many risks. Some of these include:

  • DP-1
  • DP-3
  • Protected & Unprotected (Protection Class 9 & 10)
  • Owner, rental, seasonal, and vacant occupancy

Low-Value Homeowners:

We now offer coverage for a low value homeowner’s risk for West Virginia only. It is written on a HO-8 form. The occupancy can either be owner or seasonal occupied. These policies can only be written as actual cash value. Maximum dwelling amount is $225,000.

High-Value Homeowners:

Coverage is available for the higher value homes that you need insured. They are written on a HO-3 form. These can either be written as an actual cash value policy, or as replacement cost. Risks with fire losses will be considered with a fire report.

Manufactured Homes:

A wide variety of coverage options are available when quoting mobile homes. These include:

  • Single or Double wide homes
  • Owner, rental, seasonal, and vacant occupancy
  • Protected & Unprotected (Protection Class 9 & 10)
  • No age restriction

Personal Umbrella:

We can quote personal umbrella policies up to $10 million. There are several markets to choose from. We are able to write households with youthful drivers, drivers with MVR activity, and older drivers as well.


There is coverage for most types of bikes: cruiser, touring, standard, scooters, dirt bikes, ATV, and mopeds. Accessory, safety apparel, rental reimbursement & trip loss reimbursement options are available to endorse to the policy.

Antique Auto:

We have a market that is one of the most inclusive classic auto and collector car insurance policies in the industry. We offer an agreed value settlement. We also offer additional coverages such as spare parts, towing, trip interruption, etc.

Department Contacts

Lauren Turner, Manager
Huntington Office

Charity Collins
Huntington Office

Terri Bentley-Litz
Huntington Office

Karen Brooks
Richmond Office