Homeowners and Condominium Unit Owners

Our Homeowners (HO 3) and Condominium Unit Owners (HO 6) coverages are among the broadest available in the admitted and surplus lines markets today. Now you can worry less about your E & O exposure when you find the need to move a client’s homeowners coverage from the standard market to Surplus Lines.

Coverage is available for Homes from $100,000 to $10,000,000 ( Total Section I)

Coverage is available for Homes from $100,000 to $10,000,000 ( Total Section I)

Eligible Risks include, but are not limited to:

Ineligible risks include, but are not limited to:

  • Animals (subject to limitations)**
  • Course of Construction
  • LLCs (Family) and Family Trusts
  • Older homes with limited updates
  • Post and Pier foundation
  • Prior claims
  • Protection Classes 7-10 and Brush or Forest Areas**
  • Trampolines, Unfenced swimming pools and diving boards (subject to exclusion)
  • Modular/Manufactured Homes if set on permanent concrete foundation
  • Coverage A less than $100,000 (HO-3 only)
  • Farms and Ranches
  • Knob & Tube wiring
  • Risks with wood burning stove as primary heat source
  • Trailers, semi trailers and mobile homes

Automatic Coverages include:

Optional Coverages available:

$1000 Lock Replacement Coverage

$1000 Refrigerated Property

$1,000 Fire Department Service Charge

$10,000 Loss Assessment ( to $50,000 available**)

$5,000 Limited Mold Coverage (to $25,000 available**)

$10,000 Medical Payments (to $25,000 available**)

$5,000 Water Back Up ( to $50,000 available**)

$10,000 Trampoline Liability Coverage

$25,000 Identity Fraud

$25,000 Limited Animal Liability ($50,000 available**)

$100,000 CPL (to $1,000,000 available**)

25% Extended Replacement Cost (50% available)

10% Ordinance or Law  (25% and 50% available)

Contents Replacement Cost

Increased Special Limits  – Coverage C

Personal Injury Liability

All Risk Personal Property

Golf Cart Physical Damage

Scheduled Personal Property

Blanket Valuable Articles Coverage

** Subject to Underwriting approval

Available credits include Alarm, Sprinkler, Gas Shut-off, Higher Deductible, Preferred Client and Three Year No Losses….. AND MORE