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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.

Introducing Homeowners FLEX℠ through American Modern®!

Bloss & Dillard is excited to share this new flexible coverage for owner-occupied or seasonal homes that you can customize. This brand new program is currently available in West Virginia and Kentucky, and we are one of the first to offer to our customers! (Ohio will be coming soon.) For more information, contact us today!

Some highlights include:

• Cover homes that do not have a place in the standard HO-3* market due to claims, age, size, or value concerns (based on an HO-3 form or similar to an HO-3 form)

• Dial up the coverages for water damage, loss of use, other structures, personal property, or liability

•Add options such as occasional rental, earthquake, service line failure, or ID recovery

• Seasonal homes are accepted and coverage remains unmodified during the off-season vacancy

• A+ rated company

Visit for more details about this exciting program!

*Please refer to the applicable Homeowners FLEX℠ Program Manual for complete details. Different sub-limits may apply that vary from a standard HO-3 policy. All risk pertains specifically to dwellings and structures. Roof cosmetic damage exclusion and swimming pool slide and diving board liability exclusion apply."

Get an instant quote for many property & casualty and personal lines products and earn 13% commission! 

With just a few questions, we can provide you with an instant quote for most of the products we offer for your clients while earning 13% commission for yourself. 

Some examples of classes we recently quoted for our agents: artisan contractors, personal umbrellas, 1-4 family dwellings, vacant buildings, non-profit packages such as youth sports leagues, and more! Call (877) 203-8531 for an instant quote through BDI today! (Not available in WV)

Highlighted Products:

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

Karen Brooks
Richmond Office

Terri Bentley-Litz
Huntington Office