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    Homeowner Products Quoting


    All carriers are A.M. Best rated A or higher. Not all business will qualify and may not be available in all states. The Underwriting and Coverage options below are a general summary. Coverage may vary depending on the state and risk. Please contact your Account Executive for details specific to your risk.

    Click on the Products Below

    Homeowners Min Cov A $150 k (Submit for Rate)

    Product Advantages

    • HO3, HO4, HO6, DP3, Personal Inland Marine & Excess Flood available in all 50 states
    • Wind coverage available (some restrictions may apply)
    • In house binding authority up to $10,000,000
    • Ability to package multiple products on single policy
    • 1-4 Family Dwellings acceptable
    • Duplex, triplex, and quadplex acceptable
    • Minimum coverage A=$150,000 inland/$300,000 coastal (some restrictions apply)
    • Earthquake coverage available
    • Sinkhole coverage available in Florida (depending on risk location and carrier)

    Eligible Risks

    • Homes, Estates, Trusts, LLCs, & Partnerships
    • PC 9 & PC 10
    • Primary, Secondary, Seasonal, Short/Long term rental, & vacant occupancy
    • Builders Risk for new construction and/or renovations (converts to an HO3 or HO6 at completion of project)
    • Prior losses ok
    • Log homes acceptable (some restrictions apply)
    • Older homes acceptable with updates to all systems within the last 35 years
    • Model Homes acceptable (some restrictions apply)

    Submission Requirements

    • Completed application

    Homeowners (Online Quoting)

    Eligibility Criteria

    • HO3, HO4, HO6 and Dwelling Fire Options
    • Multi-Family Dwellings
    • Protection class 1-8
    • Electrical systems on circuit breakers with 100 amps service
    • Plumbing systems comprised of copper, PVC, or cast iron
    • Dwelling built in 1900 and newer
    • HVAC systems not greater than 50 yrs old
    • Asphalt shingle roof up to 25 yrs old
    • Up to one prior loss in the past 3 years; Multiple locations one loss per two locations in the past 3 years
    • Up to 10 locations per policy
    • Dwellings undergoing renovations
    • Dwellings located in coastal areas (wind & hail exclusion applies)

    Ineligible Risks

    • Vacant dwellings not currently being renovated
    • Business, farming or day care exposures on the premises
    • Risks located adjacent to boarded up buildings
    • Owned by corporations
    • Risks used as rooming or boarding houses or as subsidized or student housing
    • Allows for use of wood stoves or supplemental heating devices
    • Rented with shorter than 6-month lease terms

    Available Limits

    • Minimum coverage varies by state
    • Maximum Total Insured Value of $1,000,000 Up to:
      • – 40% of Coverage A for Personal Property C
      • – 20% of Coverage A for Fair Rental Value Coverage D
      • – $1,000,000 personal liability coverage optional

    Submission Requirements

    • Completed & signed application

    Homeowners Min Cov A $100k (Submit for Rate)

    *****THIS PRODUCT IS ONLY AVAILABLE IN FLORIDA*******

    Product Advantages

    • Homes with year built 1995 and newer
    • Wind available (some restrictions apply)
    • HO-3 Special Form with Replacement Cost
    • Mold Coverage $5000 limit included (Higher limits may be purchased)
    • Minimum coverage A $100,000

    Eligible Risks

    • Homes, Estates, Trusts, LLCs, & Partnerships
    • PC 9 & PC 10 acceptable
    • Primary, Secondary, Seasonal, Tenanted, Vacant, Course of Construction
    • Log homes acceptable (some restrictions apply)
    • Risks located in Brush Zones acceptable

    Submission Requirements

    • Completed application