Homeowners of America (HOAIC) provides a comprehensive range of home insurance coverages that make it easy to protect what matters to your clients.

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Providing price and coverage conscience.

Property focused

Improve your clients' coverage with 15+ optional endorsements, from jewelry to solar panel coverage.

Customizable limit options

Proprietary Risk Data

Access to unique risk level data enables best price for that location.

Key value propositions

Products offered: Homeowners

Coverages and deductibles

Max coverage A: $1,000,000

Max Liability limit: $500k

Deductibles: 3% Wind/hail (effective 2024)

Average home replacement costs: $350,000 - $400,000.

Newer homes, 50% of current new policies are < 5 years old.

Good credit rating.

Clients looking for a blend of price and coverage.

Roof up to 15 years old.

Sweet spot

Accredited Builder

Advanced Shopper

Companion Product

New Purchase

VA Loan Discount

Age of Roof (not in all states)

Security Features

Wind Mitigation

Discounts

State availability

Appointment process

~30 days

Appointment request

HOAIC might reach out for confirmation

Files review and submission

~7 days

~2 days

Appointment review

Appointment email

~2 days

~20 days

Integrations

Agentero integrations

Appointment status

Commission statements

EZLynx

Vertafore PL Rater (varies by state)

Comparative raters

How to use the HOAIC portal

Visit https://hoaic.com/agent-resources/ and scroll down to the bottom to see:

- How does the application process looks like

- How to begin a quote

- How to bind an application

- How to change the effective date

More info

Underwriting

Contact underwriting or customer service at 866-407-9896 or 972-607-4241

Claims and servicing:

Customer Service/Claims
866-407-9896
claims@hoaic.com

Additional resources

Quick reference guides by state

Homeowners of America Brochure

Underwriting guidelines