Eligibility is vehicle type, total number of violations/incidents and Prior Insurance
No major violations for any driver in the past 59 months
Drivers must be rated, listed or excluded
No SR22
Vehicles over $150,000 cost new are declined
Invalid, suspended, revoked or cancelled license types are ineligible
One or more years at their residence
Roofs in good to excellent condition
Homes with little to no tree overhang
More than 36 months with prior auto carrier
Risks quoting in advance of 8+ days for home; 10-15+ days for Auto
No At Fault Auto Accidents
Standard/Preferred Risks
Most compettive: Multi-car, multi-driver, good/avg credit, homeowner, little/no MVR activity
* States may vary
Dwelling Fire Eligibility
Monoline Eligible
Up to 2 individual units in a single building
Up to 20 total individual units across a combination of properties (TX limited to 10 units)
Building only with no contents available
Broad risk; flat roofs; up to $2M cov A
No mobile, manufactured, earthen, log, pole barn
No knob/tube, min 150 amp panel
No primary solid fuel heating
No homes under construction
No Excotic pet
No Flipped Homes
No Unoccupied homes
Vicious dog breeds or dogs with bite history trigger Canine Liability Exclusion
Pools must be fenced/barrier or retractable ladder
Trampolines must have a net or barrier
Personal Lines:
Personal Auto, Homeowners, Condo, Dwelling Fire, Renters, Umbrella,
Watercraft (not standalone).
Commercial Lines:
Auto, BOP, Umbrella, Package, Fleet, Wholesale Brokers, Workers' Compensation.
