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, NY, SC, TN, TX, and coastal NJ; excludes counties touching the water and those adjacent)
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 (excluding and counties touching water and those adjacent) 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
Billing Option	Direct Bill

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