The Boca Raton-based National Insurance Underwriters is expanding the availability of its new homeowners' insurance program, Homegard, into Florida. The new program is designed to provide all-perils coverage for hard-to-insure properties. Specifically, the product features guaranteed issue dwelling coverage up to $750,000, no credit scoring, covers owner-occupied as well as tenant-occupied dwellings, and covers vacant or seasonal-use dwellings. Homegard is currently available in 44 other states and has been assigned an A- rating by A.M. Best.

NIU is an affiliate of National Safe Drivers, which is one of the nation's largest suppliers of auto-related products for insurance agencies. The company provides personal lines and commercial insurance coverage to more than 2,000 independent agencies in 40 states, with written premiums in excess of $50 million annually. For more information about the product, see www.niuw.com or call (800) 338-2680.