Homeowners

Homeowners

HO3

Homeowners program covering Dwellings, Personal Property, Other Structures, Loss of Use, and Personal Liability. This special program is designed to provide a safe, admitted market, to meet the needs of homeowners who have been declined, cancelled, or non-renewed by a standard market. Acceptable risks include:

• Older Homes (1900 w/ updates)
• Loss History
• Most Animals
• Residence in Name of Entity (Trust, LLC,LLP)
• Owner Occupied Duplex
• DIC
• Minor Maintenance Concerns
• Secondary Heating
• Modular Homes
• Woodshake Roofs
• PC 9-10 w/o Brush Exposure
• Acreage

HO8

Homeowners program offering Named Perils coverage for Owner Occupied Dwellings, Personal Property, Other Structures, Loss of Use, and Personal Liability. The Homeowners 8 Modified Program is designed to provide a safe, admitted market, to meet the needs of homeowners who own dwellings that would not normally meet the underwriting guidelines of the standard market due to the dwelling age, special architectural conditions, construction method, or materials used in construction. Acceptable risks include:

• Mobile / Manufactured Homes
• Loss History
• Woodstoves
• Tiny Homes
• Older Homes- Incomplete Updates
• Moderate Maintenance Concerns

Dwelling Fire (DP-1)

Dwelling Fire Program offers Dwelling Coverage with optional Personal Property, Liability & Others Structures for an additional premium. Acceptable risks include:

• Owner / Tenant Occupied Dwellings
• Secondary / Seasonal Dwellings
• Non-occupied Dwellings
• Older Homes – no updates
• Loss History
• Maintenance Concerns