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AM Best "A" Rated

Admitted Carriers

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HO-3 - Spinnaker Insurance Company

  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

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HO-6 - Spinnaker Insurance Company

  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

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DP-3 - Spinnaker Insurance Company

  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​

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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