Company Appetite

We can write up to $3M.

No historical dwelling and the home is not eligible if built prior to 1900

Will be referred to underwriting. No foot traffic and incidental to residence may be accepted.

Log homes are ok if they are professionally built. Modular homes must be placed on a permanent foundation.

New ground up construction is acceptable, if the owner is not acting as the general contractor and the home will be completed and occupied within 1 year of the effective date.

Generally speaking, our companies do not want anything within 5 miles of the coast. However, our underwriters will look at each risk on a case by case basis.

Must be less than 25 years old. Not less than 100 amps. No Federal Pacific Electric Stab-Lok Electrical Panels and Circuit Breakers,no knob & tube, no aluminum wiring or fuses.

Must be a solid, permanent foundation. No risks on pilings, stilts or blocks.

Must be less than 25 years old. No underground tanks. No woodburning stoves in other structures.

Must be approved by underwriting prior to quoting.

Must be less than 25 years old.

Required if there was a need. Not required if it is a new purchase.

Will be referred to underwriting.

Property inspections will be done by the company after binding for ALL new business policies.

Pitched roof must be less than 25 years old. Flat roofs must be less than 15 years old.

Must be fenced. If above ground, must have removeable steps or a locking gate. Depending on the company, slides and/or diving boards may be acceptable.

Not eligible. If newly purchased, insured/tenant must occupy the home within 30 days of the effective date.

Acceptable, if professionally installed.