Products Offered: Homeowners (HO-3), Condo (HO-6) Renters (HO-4- select states)
Owner occupied 1-4 family homes
Roof updated within the last 20 years
Friendly dogs (no bite history and no vicious breeds)
Rowhouse with up to 3 homes attached
Max 2 paid losses within the past 5 years (no more than 1 water or theft loss) with paid amount of $500 over deductible
Seasonal homes
Homes between 1 and 5 miles from the coast (hurricane deductible will apply)
Properties with farms, modular homes, mobile homes
Waterfront properties
Underground (buried) oil or fuel tank
Knob & tube wiring, aluminum wiring, or without circuit breakers
Properties heated by a non-controlled heating device (e.g., wood or pellet stoves)
Vacant or properties under renovation
Properties owned in an LLC (or other complicated structures)
Vicious breed’ or canine with a bite history
Residences with home-based businesses that create additional property damage or liability exposure (including day care)
Rental properties (i.e., Airbnb)
Owner occupied single family homes
Heating system updates within the past 30 years
Protection class 1-8
Roof updated within the last 15 years
Wiring/plumbing updated within the last 30 years
No paid losses within the past 5 years
Primary residence
Homes in gated communities or buildings with full-time attendants
Homes located at least 5 miles from the coast
650+ credit scores (TransUnion)
Age 30-45
Coverage A Min $125K, Max $1.5M
Other Structures: 10% of Cov. A
Property & Valuables: Min 40% of Cov A, Max 50% of Cov A
Loss of Use: Min 30% of Cov A; Max 30% of Cov A or $200K whichever is greater)
Personal Liability: Min $100K; Max $1M
Medical Payments: Min $1K; Max $5K
Coverage A Min $30K, Max $1.5M
Other Structures: N/A
Property & Valuables: Min $20K; Max $250K
Loss of Use: Min. 50% of Cov A; Max $200K
Personal Liability: Min $100K; Max $1M
Medical Payments: Min $1K; Max $5K
Standard $500 (options are $250, $500, $1K, $2.5K, $5K, $7.5K, $10K)
States: Agents domiciled in IA, IN, MI, MD, NJ, OH, OR, PA, TN
Property & Valuables: Min $10K; Max $250K
Loss of Use: Min. 30% of Cov C; Max $200K
Personal Liability: Min $100K; Max $1M
Medical Payments: Min $1K; Max $5K
