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

Click below to reveal list.

  • Acupuncture
  • Adult Day Care
  • Agencies (Professional)
  • Alcohol & Drug Programs
  • Alarm Installation – SEE SPECIALTY PROGRAMS
  • Amusement Devices
  • Amusement Centers & Parks
  • Animal Services
  • Animal Mortality
  • Apartment Buildings
  • Artisan Contractors
  • Auto Truck Liability – Physical
  • Bars, Taverns & Restaurants
  • Beauty Shops and Barber
  • Bed and Breakfast
  • Boat Dealers
  • Boat Repair
  • BOPS
  • Builders’ Risks / COC
  • Camps – Day and Sleep-In
  • Car Washes
  • Caterers and Halls
  • Christmas Tree Lots
  • Churches
  • Clubs
  • Convenience Stores
  • Commercial Earthquake
  • Condominium / HOA
  • Contractors Equipment Floaters
  • Counseling Services
  • Crane Services
  • Dance Studios
  • Day Care Centers / Day Nurseries
  • Demolition Contractors
  • Detectives and Private Investigators – SEE SPECIALTY PROGRAMS
  • DIC Including Earthquake
  • Distributors and Wholesalers
  • Elevator inspection services
  • Employment Agencies
  • Employment Benefits Liability
  • Entertainment
  • Excess General Liability & Umbrella
  • Exterminators – SEE SPECIALTY PROGRAMS
  • Pest control operations – SEE SPECIALTY PROGRAMS
  • Farm Labor Contractors – SEE SPECIALTY PROGRAMS
  • Farm & Ranch – SEE SPECIALTY PROGRAMS
  • Fire Extinguisher Service
  • Flea Markets and Swap Meets
  • Food and Beverage
  • Garage Liability
  • Garage Keepers Legal Liability
  • General Contractors
  • General Liability
  • Golf Courses
  • Halfway Houses
  • Haunted Houses
  • Health and Exercise Clubs
  • Hole In One
  • Home Health Care
  • Hotels and Motels
  • Hunting Clubs
  • Ice Cream Parlors and Candy
  • Indoor and Outdoor Swap Meets
  • Inland Marine
  • Janitorial Services – SEE SPECIALTY PROGRAMS
  • Land Owners
  • Landscape and Gardeners– SEE SPECIALTY PROGRAMS
  • Large Property
  • Laundry & Dry Cleaners
  • Lessors’ Risk
  • Liquor Stores
  • Locksmiths
  • Manufacturers
  • Marine (Hull & Liability)
  • Markets/Grocery Stores
  • Martial Arts Studios
  • Medical Equipment Supply Stores
  • Mercantile
  • Mobile Home Parks
  • Night Clubs
  • O&CP
  • Ocean Cargo
  • OL&T Coverages
  • Outfitters and Guides
  • Pawn Shops
  • Pest Control– SEE SPECIALTY PROGRAMS
  • Pet Grooming/Salons & Kennels
  • Photo Labs
  • Power Washing/Steam Cleaning
  • Private Investigators – SEE SPECIALTY PROGRAMS
  • Products Liability
  • Property
  • Pushcart Vendors
  • Recreational Equipment Rental
  • Rehabilitation Facilities
  • Restaurants
  • Roofers
  • Security Guards (Armed & Unarmed)
  • Self Service/Gas Stations/Mini Markets
  • Sewing Contractors
  • Shopping Centers and Malls
  • Small Mercantile Packages
  • Snow Removal
  • Special Events
  • Sports Leagues & Clinics
  • Swimming Pool Contractors
  • Tanning Salons
  • Tattoo Parlors
  • Tree Trimmers – SEE SPECIALTY PROGRAMS
  • Truckers Liability
  • Umbrellas & Excess
  • Vacant Buildings
  • Vacant Land
  • Warehouses
  • Welders
  • Wholesalers/Distributors
  • Woodworking and Cabinet Making

Contact

Our P&C Underwriting Team

Esmeralda
Esmeralda Mendez

Underwriting Manager
Direct: (559) 256-6923

EsmeraldaMendez@SierraSpecialty.com

Matt
Matthew Bartel

Underwriter
Direct: (559) 256-6935

MatthewBartel@SierraSpecialty.com