High Value Homeowners
Acceptable Risks include:
- Owner Occupied
- Builders Risk
- Renovation
- Secondary/Seasonal/Seasonal Rental
- High Profile Clients
Optional Coverage Available:
- Excess Flood to NFIP
- Earthquake
- Personal Injury Protection
- Identity Fraud Expense Coverage
- Water Back Up and Sump Discharge or Overflow Coverage
Howeowners HO3
- Replacement Cost on Dwelling & Contents
- New Inflation Guard (3% increase annually)
- Owner Occupied Dwellings (except mobile homes) for private residential use
- 1-2 Units
- Values ranging from $50,000 to $350,000
- Eligible owners show pride in ownership
- This program allows up to 6 horses (for personal use only)
- Swimming pool and trampoline liability coverage available
- Protection 1-10
- Will write Post & Pier risks
- Optional Earthquake Coverage Available
- Credits Available
- Log Homes (factory milled logs)
Homeowners HO1
- Owner Occupied or Seasonal/Secondary Dwellings
- Values ranging from $20,000 to $300,000
- Personal effects replacement cost available
- Optional earthquake coverages available
Dwelling Fire Programs
- DP1
- DP3
- HO8
- Dwellings/mobile homes
- Owner/rental 1-4 family units (annual policy term)
- Seasonal 1-2 family units (annual policy term)
- Vacant/unoccupied 1-2 family units (3 or 6 month policy term)
- Minimum value for all states is $10,000; maximum value varies between $100,000 and $300,000 depending on occupancy status
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