Call NRS 1-866-417-4855 | Instant Phone Quote 1-888-875-1969

    GeoVera Specialty Surplus Lines Homeowners Products


    Available in AL, FL, LA, NC, SC, TX, VA
    Minimum Cov A $100,000. Maximum TIV $875,000 ($1 M in Broward, Collier, Lee, Miami-Dade, Palm Beach and Sarasota counties) SC $1M TX LA AL VA $750K NC $850K
    Wind & Ex-Wind available
    Closed Counties: None

    HO-3:

    The HO-3 provides coverage for the residence premises owned by the named insured in the event of a partial or total loss due to a stated peril listed in the policy, up to the policy limits.

    • Available in AL, FL, LA, NC, RI, SC, TX, VA
    • All Risk on Dwelling, Named Perils on Contents
    • Seasonal/Secondary Homeowners Product available in FL TX LA AL SC NC
    • Dwelling Coverage up to 125% of Coverage A in most states depending on Year Built
    • Contents Issued at 50% of Coverage A in most states
    • Liability issued at $300,000 ($100,000 for Florida Seasonal/Secondary and Louisiana)
    • Wind Coverage in Coastal Areas for risks (risk must be more than 1000 feet from coast to qualify)

    Available in Texas

    • Dwelling coverage up to 100% of Coverage A
    • Contents Issued at 50% of Coverage A
    • Liability issued at 300K
    • Wind Coverage in Coastal Areas for risks (risk must be more than 1000 feet from coast to qualify)

    HO-3 T:

    • Tenant The GeoVera Specialty HO-3 Tenant is the HO-3 policy with endorsement US 05 10. The US 05 10 endorsement changes the definition for “residence premises” to include a dwelling rented or held for rental to others. The HO-3 Tenant is available for residences located in FL LA TX AL SC NC.
    • Other Structures issued at 10% of Coverage A unless excluded
    • Contents issued at 5% of Coverage
    • Issued with $100K liability and $2K medical payments coverage
    • Optional limits of $50,000, $100,000 or $300,000 are available for premises liability with $2,000 for medical payments
    • Loss of Use issued at 10% of Coverage A

    HO – Wind Only:

    • The GeoVera Specialty HO – Wind Only policy is available for residences located in Alabama, Florida and Texas SC LA NC. This is a property only policy, no liability or medical payments coverages are included.
    • Dwelling Coverage up to 100% of Coverage A.
    • Seasonal/Secondary Homeowners, tenant occupied, vacant and unoccupied are eligible!
    • The Other Structures coverage is issued at 10% of Coverage A. Available options are 2%, 5% and 10% of Coverage A.
    • Personal Property options are 5% through 50% of Coverage A, with a default of 50% for owner occupied; tenant and vacant occupancy are issued at 5%.
    • Loss of Use is issued at 20% of Coverage A for owner occupied, all other occupancy are issued at 10% of Coverage A.