AM Best "A" Rated
Admitted Carriers

HO-3 Underwriting Guidelines
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Coverage A limits :
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Minimum $8,000
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Maximum $1,250,000
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- Deductible requirements :
- $500,000 or below - $1,000 minimum deductible
- $500,000 or above - $2,500 minimum deductible
- One, Two, Three or Four family dwellings available
- Secondary homes require a $2,500 deductible
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Scheduled Personal Property cannot be attached to secondary/seasonal home, and any schedule over $2,500 must be submitted for underwriting review

HO-6 Underwriting Guidelines
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Coverage A limits :
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Minimum $5,000
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Maximum $750,000
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- Deductible requirements :
- $500,000 or below - $1,000 minimum deductible
- $750,000 or above - $2,500 minimum deductible
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Scheduled Personal Property cannot be attached to secondary/seasonal home, and any schedule over $2,500 must be submitted for underwriting review

DP-3 Underwriting Guidelines
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Coverage A limits :
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Minimum $80,000
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Maximum $1,250,000
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- Deductible requirements :
- $500,000 or below - $1,000 minimum deductible
- $500,000 or above - $2,500 minimum deductible
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One, Two, Three or Four family dwellings for DP-3 policies

Ineligible Risks (Note, this list is not all-inclusive)
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Prior loss history
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Has more than 4 losses in the past 5 years or more than 3 losses in the past 3 years
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Has more than 1 fire loss, more than 1 water loss, more than 1 liability loss or more than 1 theft loss in the past 5 years; or
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Has more than 1 losses of any other single type of loss in the past 5 years
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- Dwellings that have been vacant for more than 30 days