SPECIALTY HOMEOWNERS
SPECIALTY HOMEOWNERS
Our Specialty Homeowners program fills the gap between DP-1 and HO-3. We welcome homes that need something more or different than what is offered in the standard market, due to age, location or value- without compromising coverage.
Advantages:
- Any Location or Age
- Insure to 100% Market Value
- Owner or Seasonal Occupancy
- Protection Classes 1-10
DIRECTIONS FOR SUBMISSION
| DIRECTIONS FOR SUBMISSION |
Quote & Issue Online through OPUS ONLY |
SPECIALTY HOMEOWNERS
| RATING |
Admitted,
A.M. Best "A+" |
| TERRITORY |
National (excluding FL, NC , SC, TN, TX, and coastal NJ) |
| features |
- Most Prior Losses Acceptable
- No photos required
- Customers with non-renewed or canceled policies
- All Claims ACV or upgraded to Replacement Cost
- Protection Classes 1-10
- Canceled or non-renewed by previous carrier accepted
|
| ELIGIBLE TYPES |
- Any Age
- Any Location
- One or Two-family
|
| coverage |
- Personal Liability
- Personal Property
- Reasonable Repairs
- Additional Living Expenses
- Vandalism
- Other Structures-garage, shed
|
| OPTIONAL COVERAGES |
- Full Repair
- Personal Property Replacement Cost
- Add Protection for:
- Collapse
- Freezing
- Water (plumbing, heating, HVAC)
- Power Interruption
- Earthquake
|
| DEDUCTIBLES |
$500 Base. $1,000 & $2,500 optional |
| EXCLUDED RISKS |
- Condemned
- Condominiums
- Earth or Dome Homes
- Manufactured Homes
- Open-Pier/Stilt Homes
- Hand-hewn Log Homes
- Unemployed Applicant
- 4 or more losses in past 3 years
- Within 1,000 ft or rising water or flood area
|
