Custom Designed only for HMSA Members

The HMSA program is built on a package policy platform that can include virtually all of your personal coverage needs including homeowners (primary residence), secondary residences, standard auto, classic and historic race cars, collections (art, jewelry, and other high value collectables), boats and yachts and umbrella liability coverage.

Unlike many association programs or affinity group endorsed programs, the HMSA program is an open group that can be accessed by all licensed and appointed brokers.

You don't have to abandon or change your existing broker to participate.

Since this is a group insurance program endorsed by HMSA and exclusively for HMSA members, you are able to join with and leverage the collective purchasing power of all participating HMSA members. Like you, other HMSA members are serious, responsible collectors and racers, so you know that those whose premium and losses go into the group are likely to produce better than average results. Because the risk is being spread across this larger base of quality participants, the rates and prices of the program are more competitive than one can achieve on an individual basis.

Guaranteed Replacement Cost on your homes and valuables	Worldwide Watercraft Liability
No Deductible on Scheduled Arts, Jewelry, and other Valuables	One consolidated policy. all your needs are insured under one portfolio
Worldwide Personal Liability Limits available up to $100M	Expert underwriting and claims handling, our professionals know your passion and needs
Worldwide Auto Liability	No Mileage or Reporting Restrictions