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AM Best "A" Rated
Admitted Carriers

HO-3 - Spinnaker Insurance Company
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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 - Spinnaker Insurance Company
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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 - Spinnaker Insurance Company
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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​
Currently available Nationwide Except : AK, DC, FL, HI, IA, ID, LA, MA, MT, NC, ND, NY, OK, RI, SD, VT, WV, WY
Coverage limits and eligibility requirements vary by state
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