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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

    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