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    TX/FL QBE Homeowner Program 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.

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    FL Homeowner (Submit for Rate)

    Product Advantages

    • HO-3 form
    • Wind/Hail deductibles ranging from 2% to 5%
    • AOP deductibles ranging from $1,000 to $10,000
    • Minimum Coverage A $100,000 – Max TIV $1.5 Million
    • Coverage available counties (except Monroe)

    Available Coverages

    • Loss Assessment $5,000 limit included in premium with option to buy up
    • Extended Replacement Cost – Dwelling (100% Co-insurance required)
    • Extended Liability for Additional Residences up to 2 locations (must be occupied by insured)
    • Personal Injury
    • Personal Property Replacement Cost
    • Identity Fraud
    • Water Back-up – $5,000 limit
    • Ordinance and Law -10% included in premium with option to buy 25%
    • Mold – $10,000/$10,000
    • Scheduled Personal Property

    Eligible Risks

    • 1 or 2 family homes
    • Construction types – Frame, Masonry/Brick, Stucco, Brick Veneer
    • PC 1 – 9
    • Townhomes with firewall separating units
    • Year built 1945 and newer (some restrictions apply)
    • No restrictions on Distance to Coast
    • Primary, Secondary/Seasonal, Tenant -(Annual, Monthly, Weekly Only)
    • LLC, Corp, Trusts are acceptable with completed supplemental questionnaire
    • Risks with prior claims (some restrictions apply)

    Ineligible Risks

    • Risks in Monroe county
    • Risks rented daily
    • Risks undergoing renovation or course of construction or under major renovation, or for sale that are not occupied,
    • PC 10
    • Risks with prior Mold losses
    • EFIS, Log, unusual construction types, or historical landmarks
    • Fuses, aluminum or knob/tube wiring
    • Risks over 40 years old where electrical, heating and plumbing have not been updated

    Submission Requirements

    • Completed application

    TX Homeowner (Submit for Rate)

    Product Advantages

    • HO-B form
    • Hurricane & Wind/Hail deductibles ranging from 2% to 5%
    • AOP deductibles ranging from $1% ($1,000 minimum) to 5%
    • Minimum Coverage A $100,000 – Max TIV $1.5 Million
    • Coverage available in Tier 1 & 2
    • Coverage included in premium:
      • Limited Accidental Discharge
      • Replacement Cost Cov – A Dwelling and Cov – C Personal Property
      • Medical Payments
    • Optional Endorsements available:
      • Additional Premises Liability coverage (Max 2 locations, $500,000 limit)
      • Water Damage Limitation and Off Premises Theft Exclusion
      • Additional Insured

    Eligible Risks

    • 1 or 2 family homes
    • PC 1 – 9
    • Townhomes with firewall separating units
    • Year built 1945 and newer (some restrictions apply)
    • Risks more than 20 miles from the coast
    • Owner and Tenant occupied
    • Risks with prior claims (some restrictions apply)
    • LLC, Corp, Trusts acceptable with completed supplemental questionaire

    Ineligible Risks

    • Risks outside Tier 1 and 2
    • Risks South of Interstate 59 in Fort Bend
    • Vacant, Tenant, or Seasonally occupied
    • Risks undergoing renovation or course of construction or under major renovation, or for sale that are not occupied,
    • PC 10
    • Risks with prior Mold losses
    • EFIS, Log, unusual construction types, or historical landmarks
    • Fuses, aluminum or knob/tube wiring
    • Risks over 40 years old where electrical, heating and plumbing have not been updated

    Submission Requirements

    • Completed application