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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.

    Insurance for Farm and Ranch

    Click on the Products Below

    High Value Homeowners

    Product Advantages

    • HO5, HO3, HO4, HO6, DP3 available nationwide (except AL, AK, AR, ID, IN, IA, KS, MO, ND, SD, WY)
    • In house binding authority
    • Wind coverage available (some restrictions apply)
    • Minimum coverage A= starting at $200,000 (FL $300,000 & $500,000 in Tri-County)
    • Earthquake coverage Available
    • Sinkhole Coverage available in FL (except prior sinkhole losses or losses in area)

    Eligible Risks

    • Homes, Estates, Trusts, LLCs, & Partnerships
    • PC 1-10
    • Primary, Secondary, Seasonal, Short/Long term rental occupancies & Builders Risk/Renovations (converts to an HO3 at completion of project)
    • Older homes acceptable with updates to all systems within the last 35 years
    • Builders Risk for new construction and/or renovations (convert to an HO3 or HO6 at the completion of product)
    • Older homes accepted with updates to all systems within the last 35 years
    • Log homes acceptable (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 Covg A $100k (Submit for Rate)


    Product Advantages

    • Florida Only
    • Min Covg A at $100,000
    • HO3, HO6 (wind only) & DP3
    • DP-1 Other Structure Coverage Only
    • Occupancy types: Owner, Tenant, Vacant & Builders Risk/Renovation
    • Wind/Hail deductibles 2%-3% available (restrictions apply based on distance to coast and location)
    • Dwellings built prior to 1945 need to be fully updated
    • Masonry & Frame construction
    • Sinkhole coverage available (Exception Pasco County)

    Submission Requirements

    • Completed application