AM Best "A" Rated

Admitted Carriers

HO-3 Underwriting Guidelines

1. Coverage A limits :​

   • Minimum $8,000​

   • Maximum $1,250,000

2. Deductible requirements :
   • $500,000 or below - $1,000 minimum deductible​
   • $500,000 or above - $2,500 minimum deductible
3. One, Two, Three or Four family dwellings available
4. Secondary homes require a $2,500 deductible

5. ​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

1. Coverage A limits :​

   • Minimum $5,000​

   • Maximum $750,000

2. Deductible requirements :
   • $500,000 or below - $1,000 minimum deductible​
   • $750,000 or above - $2,500 minimum deductible

3. ​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

1. Coverage A limits :​

   • Minimum $80,000

   • Maximum $1,250,000

2. Deductible requirements :
   • $500,000 or below - $1,000 minimum deductible​
   • $500,000 or above - $2,500 minimum deductible

3. One, Two, Three or Four family dwellings for DP-3 policies​

Ineligible Risks (Note, this list is not all-inclusive)

1. Prior loss history​

   • Has more than 4 losses in the past 5 years or more than 3 losses in the past 3 years

   • 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

   • Has more than 1 losses of any other single type of loss in the past 5 years

2. Dwellings that have been vacant for more than 30 days​

Currently available in: AL, AZ, CA, CO, CT*, GA, IL, IN, KY, MD, MN, MO, MS, NJ, NM, NV, OH, OR, PA, SC, TN, TX, UT, VA, WA, WI

*CT - HO and Condo only

Coverage limits and eligibility requirements vary by state