AM Best "A" Rated

Admitted Carriers

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

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

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 in:  AL, AR, AZ, CA, CO, CT, DE, FL, GA, IL, IN, KS, KY, ME, MD, MI, MN, MO, MS, NH, NE, NJ, NM, NV, OH, OR, PA, RI, SC, TX, TN, UT, VA, VT, WA, WI and WV
 
Coverage limits and eligibility requirements vary by state