THE HARTFORD - WASHINGTON New Business Homeowner Underwriting Guidelines Effective
|
|
- Melvin Chandler
- 8 years ago
- Views:
Transcription
1 Insurance Score HARTFORD PREMIER Premier Insurance Scores. Loss History (3 years) No losses permitted. One catastrophe related loss. Prior Insurance HARTFORD HARTFORD CCRL ELITE APPLICANT REQUIREMENTS Premier or Superior Insurance Scores. Premier, Superior, Average, No Score or No Hit Insurance Scores. One loss permitted. No Liability losses. HARTFORD MERIT Premier, Superior, Average, Acceptable, No Score or No Hit Insurance Scores. *Unacceptable Score see UW Requirements & Information section One weather related and one other type loss. Prior continuous coverage in standard market for past 12 months. Not acceptable if any lapse in coverage, unless coverage was not needed, please provide reason for lapse. Effective Date of Coverage: Application must be postmarked or uploaded no later than 3 days after the effective date of coverage. DWELLING REQUIREMENTS Deductibles: Minimum $750 deductible Minimum $250 deductible Coverage A Dwelling Replacement Cost Dwelling For Earthquake Coverage minimum 15% deductible $350,000 minimum. $700,000 maximum. Refer to company for coverage above $500,000 prior to binding. Above Average Construction. No minimum. $700,000 maximum. Refer to company for coverage above $500,000 prior to binding. Average or better Construction. No minimum. Refer to company for coverage above $500,000 prior to binding. Economy or better construction For dwellings over 50 years old, Replacement Cost Dwelling coverage is available provided the dwelling complies with all the updating requirements attached. See Older Home Underwriting below. 100% insurance to value is required with this coverage. Photos Required if: No Photo requirement Cov A under 100,000 and over 10 years old, or Dwelling 50 years old and greater. Coverage C: Condos and $ 30,000 minimum Renter. $ 350,000 maximum Protection Class Number of Families (HO-3 & H-5A) No restrictions 4/6 Roof updating: Roof coverings must be well maintained and in good condition. Cov A under 100,000 and over 10 years old, No Score/No Hit business, or Dwellings 50 years old and greater. PC 1-8 Wood/coal/pellet stove permitted with acceptable questionnaire (all plans). Composition shingles less than 15 years old. No wood or flat roofs. 1 Family 1 or 2 Family $ 15,000 minimum $350,000 maximum PC 9 permitted w/o stove Composition shingles less than 20 years old. Wood shakes less than 20 years old, with no prior water damage losses since roof was replaced. Flat roofs less than 20 years old, with no prior water damage losses since roof was replaced. ACV Roof endorsement required. Complete ACORD updating section The Hartford - Washington 1
2 Older Homes: For dwellings over 50 years old. The updating section on the ACORD application must be completed for each system indicated. Hartford Premier Hartford CCRL Hartford Elite Hartford Merit Electrical: Must be in good condition, a minimum of 100 amp service. Must be completely updated and regulated exclusively by Circuit breakers. Plumbing: Must be well maintained with no leaks. Dwellings over 50 years old must be completely updated with copper or PVC. Heating & Cooling: Must be well maintained and centrally controlled by a thermostat. Furnaces must be annually serviced if it is oil fired, Burners must have been replaced within the past 50 years. Underwriting Requirements & Information The Hartford reserves the right to evaluate each application s exposure to loss on its own merit. As a result there will be occasions where a risk marginally meeting these criteria will be judged unacceptable for the coverages or rates requested due to the combination of overall risk factors. Property Insurance Score and Property CLUE Report are required for all applicants. Prior to binding coverage, please order these reports (at The Hartford s expense) using our Point of Sale on-line report ordering software from CHOICEPOINT using the applicant(s) Social Security number and address (and prior address if any). Insurance Score Returned as "Unacceptable" will qualify for the Merit program only subject to the following underwriting requirements: There can be no losses within the past 3 years. Applications must be received 5 days prior to the effective date. Partial updating is not permitted. Must meet all other CCRL criteria. All applications for coverage must be submitted using the latest ACORD homeowners application, or via The Hartford s interface software. Insurance to Value- 100% Insurance to Value required unless market value is below 80% of replacement cost See Special Loss Settlement below for these risks. A completed Boeckh Square Foot Costimator is required for all dwelling submissions. Special Loss Settlement Coverage (HO-256)- This coverage can be provided when Coverage A is as low as 50% of the replacement cost, or 100% Market Value, whichever is greater. This coverage must be added for ITV between 50%- 80% of the replacement cost. Coverage is available in all plans but, subject to all other underwriting criteria. Replacement Cost Dwelling coverage cannot be provided in conjunction with this form. Earthquake Coverage on homes built 1979 and prior is NOT available on risks that meet any of the following: 1) Home not frame construction; 2) Any previous earthquake damage; 3) Home built on piers, pilings or stilts; 4) Water heater not bolted or strapped down; 5) House not bolted to foundation High Value Homes: Homes valued $500,000+ must be pre-approved by your Underwriter prior to binding coverage. Central Station Alarm (Fire and Burglary) may be required for coverage A limits over (500,000). In Home Businesses on premises are eligible for all programs, however, eligible businesses for Form HO-42 are limited to incidental office-type exposures and those with no employees or customer access. However, Home daycare coverage endorsements are unacceptable in any plan. We also offer our Home Based Insurance Plan for other type commercial exposures on premises. Please consult your separate HBIP Underwriting criteria. Secondary or Seasonal residence coverage is available at any Coverage A amount in the Merit or Elite plans with a minimum $500 deductible, provided coverage for the applicant s primary residence is in force with The Hartford at the time of application. Homestretch coverage is not available. All other underwriting criteria apply. The Hartford - Washington 2
3 Slope of Property: Due to the extra costs of rebuilding homes located on extremely sloped locations, properties with a slope of more than 30 degrees are not acceptable. Sump Pump or Sewer backup Coverage: Coverage is available if there have been no previous related claims. Recreational Vehicles: Whenever the Hartford is requested to write a homeowners policy and the insured owns recreational vehicles we require that the insured carries underlying insurance for the vehicle(s). The following are considered recreational vehicles; Jet ski s, ATV s, dirt bikes, and snowmobiles, or any similar vehicle(s) used for recreational purposes. Please be advised The Hartford will not provide Personal umbrella coverage whenever the insured owns any of the above recreational vehicles, with or without underlying coverage. Risks with any of the following exposures are unacceptable in any plan. Trampolines or Unfenced pools. Dwellings with Asbestos building materials, or with knob and tube or aluminum wiring. Properties that are vacant, unoccupied, for sale homes, or under construction (when completion date exceeds 120 days). Dwellings of unique construction, including but not limited to, Mobile/Manufactured homes Underground homes. Log Cabins, Adobe Construction or those built on pilings, stilts, or piers. Dwellings Exposed to an announced Brush, Range or Forest fire, or within the susceptible path of an existing fire or; Locations which are subject to brush or forest fire, or landslide loss exposures, or residences which have isolated or inaccessible locations or are more than five road miles from civil authority response are not acceptable for any plan. Pets/Animals - Including but not limited to Pit Bull(Staffordshire Terrier),Presa Canario or Rottweiler dog breeds (or any mix including these breeds) are unacceptable or any dog with previous bite history, aggressiveness, or which are unrestrained are unacceptable. CATASTROPHE MANAGEMENT Binding Authority Following an Earthquake: The binding authority of all Hartford agents for earthquake coverage is automatically suspended whenever an earthquake meeting the conditions below occurs. Do not bind, issue or request earthquake coverage for any applicant: For 30 days following an earthquake of the Richter magnitude , on any risk located within 100 miles of the epicenter. For 60 days following an earthquake of the Richter magnitude 6.0+, on any risk located within 150 miles of the epicenter. The Hartford - Washington 3
4 Inland Marine (Scheduled personal property) Underwriting requirements Eligible classes: Jewelry Golfing Equipment Cameras Silverware Stamp Collection Furs Fine Arts Musical Equipment Coin Collections Note the request on the homeowners application & attach ACORD Inland Marine Application. Current appraisals (less than 3 years old) for items valued $10,000 or more. Appraisals by certified, independent appraisers are preferred to appraisals done by dealers or galleries. Bills of sales may be used to confirm appraised values of newly purchased items, or submitted in place of appraisals for items of lesser value. Scheduled items with commercial or professional use are not acceptable. Items used in exhibits or trade shows are not acceptable. No prior theft losses or scheduled personal property losses are permitted in the past 3 years. Central station alarm system may be required depending upon the scheduled amount. Inland Marine schedules greater than $200,000 must be discussed with your underwriter prior to binding coverage. Refer to Company prior to submission: Jewelry and Fine Arts: Risk with total amount of insurance for the class exceeds $75,000 or where the amount of insurance on any single limit item exceeds 50,000. Silverware and Furs & All Other Classes : Risk where total amount of insurance exceeds $25,000 or where the amount of insurance for any single item exceeds $15,000. The Hartford - Washington 4
5 SUPPLEMENTAL STOVE QUESTIONNAIRE PLEASE ANSWER THE FOLLOWING QUESTIONS REGARDING THE INSUREDS WOOD/COAL/PELLET STOVE: 1. Is the stove UL (UNDERWRITERS LABORATORIES) approved? Yes No 2. Was the heating unit installed by a licensed contractor? Yes No 3. Date (mo / yr.) the stove and chimney was last cleaned professionally: If no response to questions 1 or 2 or the stove has not been cleaned within the last year, please provide explanations in the remarks section below. Remarks: CPF (Ed. 1/99) The Hartford - Washington 5
The Hartford Dimensions Homeowners Underwriting Eligibility Criteria
enables agents to offer competitive rates and comprehensive coverage to a broad spectrum of individual drivers, homeowners and renters. Its designed to give customers the best possible rate throughout
More informationThe Hartford Dimensions Homeowners Underwriting Eligibility Criteria
enables agents to offer competitive rates and comprehensive coverage to a broad spectrum of individual drivers, homeowners and renters. It s designed to give customers the best possible rate throughout
More informationThe Hartford Homeowners Underwriting Eligibility Criteria
Pricing for The Hartford Homeowner Plan is based on combinations of multiple factors. Please refer to the following eligibility criteria and requirements and see how The Hartford s Homeowners plan delivers
More informationUNDERWRITING GUIDELINES HOMEOWNERS ED 05.26.05 BEACH PLAN NCIUA
HO3 Replacement/Special Form, HO2 Replacement/Broad Form, ACV/Modified Form, HO6 Unit-Owners Form, and HO4 Contents Broad Form Named Insured HO3, HO2,, and HO6 All policies must be written in the name
More informationContents. Product Information. Discounts Loss Surcharges. Eligibility. Billing Options. Questions
Contents Product Information Discounts Loss Surcharges Eligibility Billing Options Questions Policy Forms Offered This product is designed to appeal to a broad group of consumers by utilizing the following
More informationSECTION 6: California Mutual Insurance Company Dwelling Fire Policy Program
SECTION 6: California Mutual Insurance Company Dwelling Fire Policy Program A. UNDERWRITING REQUIREMENTS 1. The Dwelling Fire program will provide dwelling, contents and related coverages for owner or
More informationUSF&G SPECIALTY INSURANCE COMPANY HOMEOWNERS POLICY MISSOURI UNDERWRITING MANUAL
USF&G SPECIALTY INSURANCE COMPANY HOMEOWNERS POLICY MISSOURI UNDERWRITING MANUAL TABLE OF CONTENTS SUBJECT Underwriting Guidelines ii Highlight of Policy Sublimits and Exclusions iii Ineligible Risks iv
More informationHome Insurance Application
Producer Home Insurance Application Topa Insurance Company THIS APPLICATION WILL NOT BE GIVEN ANY CONSIDERATION UNLESS: 1. It is fully completed and every question is answered 2. It is personally signed
More informationFARMERS MUTUAL INSURANCE COMPANY UNDERWRITING GUIDELINES HOMEOWNER PROGRAM
UNDERWRITING GUIDELINES HOMEOWNER PROGRAM The following guidelines should be considered when offering insurance for certain types of risks. When evaluating the acceptability of a risk, the company underwriter
More informationTOPA INSURANCE COMPANY Producer
TOPA INSURANCE COMPANY Producer FIRE DWELLING APPLICATION THIS APPLICATION WILL NOT BE GIVEN ANY CONSIDERATION UNLESS: 1. It is fully completed and every question is answered 2. It is personally signed
More informationMANUFACTURED/MOBILE HOME PROGRAM UNDERWRITING RULES & COVERAGE OPTIONS
MANUFACTURED/MOBILE HOME PROGRAM UNDERWRITING RULES & COVERAGE OPTIONS Underwritten by A Rated Carriers Effective: January 1, 2011 This Underwriting Guide is for informational purposes only. Coverage authorization
More informationCOLONIAL GROUP,Inc. P.O. Box 4907 Greensboro, NC 27404-4907 (336) 855-1300 (800) 628-3762 FAX: (336) 855-1190
NEW BUSINESS EFFECTIVE: 09/01/10 RENEWAL BUSINESS EFFECTIVE: 11/01/10 A Stock Insurance Company 8655 E Via De Ventura Scottsdale, AZ 85258-3321 A.M. Best Rated A -, Excellent NORTH CAROLINA DP-1, DP-2
More informationWilshire Insurance Company
Wilshire Insurance Company ARIZONA MOBILE HOMEOWNERS (HO-3) PROGRAM OWNER OCCUPIED AND SEASONAL PROGRAM P. O. Box 30527 Phoenix, AZ 85046 (602) 494-6900 FAX: (602) 494-6999 www.statewide-insurance.com
More informationForemost Dwelling Fire and Specialty Homeowners Insurance Answers to Some Common Questions
Foremost Dwelling Fire and Specialty Homeowners Insurance Answers to Some Common Questions Here are answers to some questions we ve been asked about our Dwelling Fire and Specialty Homeowners programs.
More informationColonial Lloyds TEXAS HOMEOWNER POLICY FORM A UNDERWRITING GUIDELINES
01/22/2007 Colonial Lloyds TEXAS HOMEOWNER POLICY FORM A UNDERWRITING GUIDELINES PROPERTY LIMITS: (1) DWELLING Minimum $ 25,000 Maximum $350,000 (2) CONTENTS Maximum without Replacement Cost 40% of Dwelling
More informationPacific Specialty Insurance Company
1. POLICY FORM: HO-4 HO-4 PERSONAL PROPERTY (Renters) GENERAL RULES & UNDERWRITING GUIDELINES 2. APPLICATION/CONDITIONAL BINDING PROCEDURES A Pacific Specialty Insurance Company ( PSIC ) Renters application
More informationPlease refer to Atlas Bridge Check Form Availability for closed Zip Codes
Please refer to Atlas Bridge Check Form Availability for closed Zip Codes 100 % REPLACEMENT COST VALUE (RCV) MUST BE USED AS THE COVERAGE A LIMIT ON HO3 POLICY FORM. 100% ACTUAL CASH VALUE (ACV) MAY BE
More informationUSF&G SPECIALTY INSURANCE COMPANY HOMEOWNERS POLICY OKLAHOMA UNDERWRITING MANUAL
USF&G SPECIALTY INSURANCE COMPANY HOMEOWNERS POLICY OKLAHOMA UNDERWRITING MANUAL TABLE OF CONTENTS SUBJECT Underwriting Guidelines ii Highlight of Policy Sublimits and Exclusions iii - iv Ineligible Risks
More informationPlease refer to Atlas Bridge Check Form Availability for closed Zip Codes
Please refer to Atlas Bridge Check Form Availability for closed Zip Codes 100 % REPLACEMENT COST VALUE (RCV) MUST BE USED AS THE COVERAGE A LIMIT ON HO3 AND HO6 POLICY FORM. 100% ACTUAL CASH VALUE (ACV)
More informationDelta Lloyds Insurance Company Homeowner Underwriting Guidelines For Mobile Homes
Delta Lloyds Insurance Company Homeowner Underwriting Guidelines For Mobile Homes As of November 15, 2012 Available Homeowner Program for Mobile Homes Delta Lloyds Insurance Company of Houston Texas provides
More informationA Shopping Tool for. Homeowners Insurance. Mississippi Insurance Department
Homeowners Insurance Mississippi Insurance Department 1 2014 National Association of Insurance Commissioners All rights reserved. National Association of Insurance Commissioners Insurance Products & Services
More informationHow To Insure A Mobile Home
Wilshire Insurance Company ARIZONA MOBILE HOME PROGRAM PREFERRED, ELITE, SEASONAL, RENTAL/COMMERCIAL P. O. Box 30527 Phoenix, AZ 85046 (602) 494-6900 FAX: (602) 494-6999 www.statewide-insurance.com EFFECTIVE
More informationUtah Homeowners Forms
Utah Homeowners Forms HOMEOWNERS FORMS AND ENDORSEMENTS The first three positions of the contract form numbers indicate the type of contract. The last two positions is the state code: 43 for Utah. Those
More informationHome insurance basics
Home insurance basics By Nicholas Schidowka, President Insurance Cleveland Agency, LLC When shopping for home insurance, it is important for a homeowner to consider more than how much coverage will cost.
More informationFARMERS MUTUAL INSURANCE COMPANY UNDERWRITING GUIDELINES CITY FIRE PROGRAM UNDERWRITING ITEMS OF IMPORTANCE
FARMERS MUTUAL INSURANCE COMPANY UNDERWRITING GUIDELINES CITY FIRE PROGRAM UNDERWRITING ITEMS OF IMPORTANCE 11/2009 The following guidelines should be considered when offering insurance for certain types
More informationUtah Enhanced Homeowners Form
Utah Enhanced Homeowners Forms ENHANCED HOMEOWNERS PROGRAM Mutual of Enumclaw offers a simplified approach to providing Enhanced Homeowners protection. The Enhanced Homeowners policy is a self-contained,
More informationBASIC PROPERTY APPLICATION (Must Complete)
OHIO FAIR PLAN UNDERWRITING ASSOCIATION APPLICATION FOR INSURANCE MAIL TO: Ohio FAIR Plan Underwriting Association PHONE: 1-800-282-1772 2500 Corporate Exchange Drive 1-614-839-6446 Suite 250 FAX: 1-614-839-2882
More informationAGENCY UNDERWRITING GUIDE
AGENCY UNDERWRITING GUIDE UNDERWRITING GUIDELINE MANUAL For Connecticut Personal Lines Department Rev. 01 13 TABLE OF CONTENTS Page I. Homeowner 1 II. Personal Inland Marine 9 III. Boatowner 10 IV. Landlord
More informationAAA Insurance Package Policy - Training Information
6/1/2012 AAA Insurance Package Policy - Training Information WWW.AUTOCLUBFL.COM Home/Auto & Condo/Auto Claims & Incidents Cov A Limit Exclusions or Buy Back Underwriting One annual policy. One policy number.
More informationTexas Homeowner Forms and Endorsements Description
Texas Homeowner The following is a brief description of the ISO Homeowners Policy Forms. HO 00 03 10 00. Homeowners 3 Special Form. This form is analogous to the Texas Homeowners Policy - Form B. A side-by-side
More informationA Consumer s Guide Quick
A Consumer s Quick Guide Headquartered in Kansas City, Mo., the National Association of Insurance Commissioners (NAIC) is a voluntary organization of the chief insurance regulatory officials of the 50
More informationDESCRIPTION OF DWELLING. APPURTENANT STRUCTURE DESCRIPTION Description Roof Type Square Footage Construction Type Year Built
Topa Insurance Company TOPA HOME INSURANCE POLICY Application ROBERT MORENO INSURANCE SERVICES Lic# 0546795 22860 Savi Ranch Parkway, Yorba Linda, CA 92887 (714) 738-1383 (213) 383-5590 Fax: (714) 992-2094
More informationIllinois Insurance Facts Illinois Department of Insurance
Illinois Insurance Facts Illinois Department of Insurance Shopping for Homeowners Insurance Updated January 2014 Note: This information was developed to provide consumers with general information and guidance
More informationA Consumer s Guide to Homeowners Insurance. A Publication of the Maine Bureau of Insurance
Maine Bureau of Insurance State House Station 34 Augusta, ME 04333-0034 A Consumer s Guide to Homeowners Insurance A Publication of the Maine Bureau of Insurance April 2015 A Consumer s Guide to Homeowners
More informationARROWHEAD GENERAL INSURANCE AGENCY RESIDENTIAL EARTHQUAKE INSURANCE PROGRAM UNDERWRITING GUIDELINES & RATE MANUAL
UNDERWRITING GUIDELINES & RATE MANUAL Arrowhead General Insurance Agency, Inc. Page 1 of 8 Producers Manual June 2001 UNDERWRITING GUIDELINES A. BINDING AUTHORITY/ELIGIBILITY Binding and risk approval
More informationWhy Recommend Fireman s Fund - Prestige Home Product. Personal Insurance Features and Benefits
Why Recommend Fireman s Fund - Prestige Home Product Personal Insurance Features and Benefits Fireman s Fund Personal Insurance Who We Are Our priorities Deliver customized, innovative products and services.
More informationA Shopping Tool for. Homeowners Insurance. Mississippi Insurance Department
Homeowners Insurance Mississippi Insurance Department 1 2014 National Association of Insurance Commissioners All rights reserved. National Association of Insurance Commissioners Insurance Products & Services
More informationEnhanced Homeowners Forms
Enhanced Homeowners Forms ENHANCED HOMEOWNERS PROGRAM Enumclaw Property and Casualty offers a simplified approach to providing Enhanced Homeowners protection. The Enhanced Homeowners policy is a self-contained,
More informationService is our Hallmark.
A M E R I C A N I N S U R A N C E Texas New Business: 8/19/13 Renewal Business: 10/18/13 Homeowners Program Texas Homeowners Form A HO-4 Contents Broad Form Renters Renters Personal Liability Service is
More informationSCOTTSDALE INSURANCE COMPANY/SCOTTSDALE INDEMNITY COMPANY HOMEOWNERS UNDERWRITING GUIDELINES
SCOTTSDALE INSURANCE COMPANY/SCOTTSDALE INDEMNITY COMPANY HOMEOWNERS UNDERWRITING GUIDELINES Territory: AL, DC, DE, FL, GA, MD, MS, NC, NJ, PA, SC, TN, VA REFER TO STATE SPECIFIC GUIDELINES WIND REQUIREMENTS:
More informationVoyager-Indemnity Insurance Company. Binding Requirements
303 Lennon Lane Walnut Creek, CA 94598 (800) 955-8213 (925) 947-2990 Fax (925) 947-3978 License#0812739 www.jebrown.net Voyager-Indemnity Insurance Company Binding Requirements Application: Voyager Indemnity
More informationGABRIELE BRIDGES 8/9/2013-8/9/2014 1001006314 DP3 STANDARD. Date of Birth ***-**-**** Social Security Number SINGLE. Cell Phone
APPLICATION DETAIL Insured Effective-Expiration Date Policy Number Form Program GABRIELE BRIDGES 892013-892014 1001006314 DP3 STANDARD AGENCY INFORMATION Agency Number Agency Name Address City, State Zip
More informationAmerican Modern HO-10 Specialty Homeowners Quick Reference Guide
Specialty. Service. Simple. Coverages American Modern HO-10 Quick Reference Guide Dwelling Other Structures Personal Property Loss of Use -Min: $40,000; Max: $300,000 SC, TN Max: $250,000 GA -HO-10 named
More informationLink to HO-3/HO-5 Homeowner Comparison Policy Features Basic Coverage Limits Description of Coverage
WASHINGTON Homeowner Product Guide Mutual of Enumclaw Insurance Company What s New Effective Date Updates How To Reach Us Phone / FAX / Email Home Office Agency Services Claims Customer Service (Billing)
More informationHOME INSURANCE OUR MISSION IS YOU. HOMEOWNERS INSURANCE. www.afi.org
HOME INSURANCE OUR MISSION IS YOU. HOMEOWNERS INSURANCE www.afi.org Our Mission Like those who serve our nation, AFI is dedicated to delivering protection and peace of mind. Our unwavering commitment to
More informationCSE Safeguard Insurance Co. Homeowner Select Program - CALIFORNIA Table of Contents
CSE Safeguard Insurance Co. Homeowner Select Program - CALIFORNIA Table of Contents Section I RISK ELIGIBILITY GUIDELINES A. Ineligible Submissions B. Prior Approval Submissions C. Condition of Premises
More informationHomeowners Insurance. made simple
Homeowners Insurance made simple What s included: How to read your Allstate Policy Declarations Protecting your home and personal property Understanding deductibles Additional protection How to file a
More informationArizona Manufactured Home
EFFECTIVE: 7/01/10 NEW 7/15/10 RENEWAL American Reliable Insurance Company Arizona Manufactured Home A4371M0610 ELIGIBILITY AND INCLUDED COVERAGES 1 ELIGIBILITY AND INCLUDED COVERAGES PREFERRED PROGRAM
More informationMAPFRE INSURANCE COMPANY PERSONAL HOMEOWNERS RATE/RULE MANUAL
MAPFRE INSURANCE COMPANY PERSONAL HOMEOWNERS RATE/RULE MANUAL Final Version July, 2011 Edition MAPFRE Insurance Co. Includes copyrighted material of Insurance Services Office, with its permission Page
More informationCossio Insurance Agency 864-688-0121 Fax: 864-688-0138 PO Box 188 Simpsonville SC 29681
DIRECTIONS: 3. Email the application to apps@cossioinsurance.com of Fax it to 864-688-0138. Section 1: Applicant Information Applicant s Name (First, Middle,Last): Applicant s Mailing Address: Date of
More informationApplication for Home, Auto, and Umbrella Coverage
Application for Home, Auto, and Umbrella Coverage Total Pages: 6 pages including cover page Thank you for requesting quotes for your Home, Auto, and Umbrella insurance from TDIC Insurance Solutions. Please
More informationKANSAS MUTUAL INSURANCE COMPANY DELUXE HOMEOWNERS PROGRAM. General Index Page
General Index Page Rule No. ACV Roofing Additional Amount or Coverages Additional Insureds Additional Living Expense--Increased Limit Additional Residences (1) Occupied by Insured (2) Rented to Others
More informationKANSAS MUTUAL INSURANCE COMPANY FARM PROTECTOR PROGRAM General Index
General Index Page Section Number Rate Page ADDITIONAL AND SECONDARY LOCATIONS 27 14 31 Additional Interests 12 6.4 Additional Living Expense 23 12.2 33 Additional Residence Premises -- Rented To Others
More informationA Consumer s Guide to Homeowners Insurance
A Consumer s Guide to Homeowners Insurance This brochure was developed through the combined efforts of: Illinois Insurance Hotline 1-800-444-3338 Illinois Department of Insurance University of Illinois
More informationPennsylvania Homeowners Policy. Users Guide
Pennsylvania Homeowners Policy Users Guide UNDERWRITING GUIDELINES Merchants Preferred Insurance Company RISK CHARACTERISTICS HOMEOWNER PROGRAM PREMIER RESIDENCE PROGRAM Ineligible Risks The following
More information100 % REPLACEMENT COST VALUE (RCV) MUST BE USED AS THE COVERAGE A LIMIT ON HO3, HO6, DP1, DP2 AND DP3 POLICY FORM.
100 % REPLACEMENT COST VALUE (RCV) MUST BE USED AS THE COVERAGE A LIMIT ON HO3, HO6, DP1, DP2 AND DP3 POLICY FORM. 100% ACTUAL CASH VALUE (ACV) MAY BE USED AS THE COVERAGE A LIMIT ON THE HO8 POLICY FORM
More informationAmended Date of New & Revised Material Updates. How To Reach Us
Oregon Dwelling Fire Product Guide What s New Amended Date of New & Revised Material Updates How To Reach Us Phone / FAX / Email Home Office Agency Services Claims Customer Service (Billing) Marketing
More informationLink to HO-3/HO-5 Homeowner Comparison Policy Features Basic Coverage Limits Description of Coverage
WASHINGTON Homeowner Product Guide Enumclaw Property and Casualty Insurance Company What s New Effective Date Updates How To Reach Us Home Office Agency Services Claims Customer Service (Billing) Marketing
More informationCalifornia Homeowners HO 3 Program Manual
303 Lennon Ln. W alnut Creek, CA 94598 (800) 955-8213 (925) 947-2990 Fax (925) 947-3978 License # 0812739 www.jebrown.net American Reliable Insurance Company California Homeowners HO 3 Program Manual 11/01/2015
More informationNot for Reprint. About the NAIC
t rin ep N ot fo rr A Consumer s Guide About the NAIC The National Association of Insurance Commissioners (NAIC) is the oldest association of state government officials. Its members consist of the chief
More informationOREGON MUTUAL INSURANCE GROUP MANUFACTURED HOME POLICY PROGRAM INDEX
INDEX General Instructions... MH-1 Basic Coverages and Limit of Liability... MH-1 Description of Coverage... MH-1 Deductible... MH-1 Application... MH-2 Binders... MH-2 Replacement Value Coverage C (H109)...
More informationHow To Protect Your Property From Damage
GEOVERA SPECIALTY INSURANCE COMPANY HOMEOWNERS POLICY TEXAS UNDERWRITING MANUAL TABLE OF CONTENTS SUBJECT Underwriting Guidelines ii Highlight of Policy Sublimits and Exclusions iii - iv Ineligible Risks
More informationPREFERRED PERSONAL LINES ACCESS PROGRAM. MetLife Auto & Home Personal Lines Program
PREFERRED PERSONAL LINES ACCESS PROGRAM MetLife Auto & Home Personal Lines Program MetLife Auto & Home Some background on MetLife: In business for 141 years Fortune 500 Company MetLife Auto & Home - A.M.
More informationVisit redrivermutual.com for more information and eligibility requirements. Actual policy wordings govern.
Home Insurance Red River Mutual has been providing insurance protection on the prairies for over 135 years and is committed to providing competitive insurance products and equitable claims settlement.
More informationLexington Insurance Company- Application
- Application Applicant SS # Occupation Employer Date of Birth Mailing Address: Insured Location: County: Producer Name: Address: Fax #: E-mail: Inspection- Contact: Phone #: TYPE COV. PART 1 COV. PART
More informationGEOVERA SPECIALTY INSURANCE COMPANY HOMEOWNERS POLICY TEXAS UNDERWRITING MANUAL
GEOVERA SPECIALTY INSURANCE COMPANY HOMEOWNERS POLICY TEXAS UNDERWRITING MANUAL TABLE OF CONTENTS SUBJECT Underwriting Guidelines ii Highlight of Policy Sublimits and Exclusions iii - iv Ineligible Risks
More informationAmended Date of New & Revised Material Updates. How To Reach Us
Dwelling Fire Product Guide What s New Amended Date of New & Revised Material Updates How To Reach Us Phone / FAX / Email Home Office Agency Services Claims Customer Service (Billing) Marketing Materials
More informationPersonal Lines. Homeowners
Personal Lines Homeowners Page 1 Cabrillo General 12/13 SECTION 1: Underwriting Philosophy California Mutual seeks Preferred Business. Our homeowners program offers attractive pricing and comprehensive
More informationHOMEOWNERS PROGRAM NEW HAMPSHIRE
HOMEOWNERS PROGRAM HINGHAM MUTUAL FIRE INSURANCE COMPANY AMERICAN ASSOCIATION OF INSURANCE SERVICES 1745 South Naperville Road Wheaton, IL 60187-8132 This manual contains rules, definitions, rating information,
More informationDISTRICT OF COLUMBIA PROPERTY INSURANCE FACILITY ESSENTIAL HOMEOWNERS INSURANCE INSPECTION AND PLACEMENT
TO: DISTRICT OF COLUMBIA PROPERTY INSURANCE FACILITY 170 W. RIDGELY ROAD, SUITE 230 LUTHERVILLE, MARYLAND 21093 TEL: 1-800-492-5670 FAX: (410) 244-7268 APPLICANT (PLEASE PRINT OR TYPE) NAME DISTRICT OF
More informationFREMONT MUTUAL INSURANCE COMPANY
PUM Page No. INDEX 1 Application 1 Binding Authority 2 Commercial Exposures 1 Coverage 1 Definitions 5 Discounts 2 Ineligible Risks 1 Introduction 2 Limits Available 3 Minimum Limits of Underlying Insurance
More informationAgent/CSR Guide. FAQs. Home Advantage. The Hartford s AARP Home Insurance Program
personal lines Agent/CSR Guide FAQs Home Advantage The Hartford s AARP Home Insurance Program Q&A Here are some frequently asked questions, plus answers, that can give you a better understanding of The
More informationFlorida Market Assistance Plan Online Referral Agent Guide
Florida Market Assistance Plan Online Referral Agent Guide Contents WELCOME FMAP AGENT GUIDE FMAP Data WELCOME FMAP The Florida Market Assistance Plan (FMAP) is a program authorized by the Florida Legislature
More informationMARYLAND PROPERTY INSURANCE AVAILABILITY PROGRAM ESSENTIAL HOMEOWNERS INSURANCE INSPECTION AND PLACEMENT
MARYLAND PROPERTY INSURANCE AVAILABILITY PROGRAM ESSENTIAL HOMEOWNERS INSURANCE INSPECTION AND PLACEMENT DATE (MM/DD/YYYY) TO: JOINT INSURANCE ASSOCIATION 170 W. RIDGELY ROAD, SUITE 230 LUTHERVILLE, MARYLAND
More informationOREGON MUTUAL INSURANCE COMPANY PERSONAL LINES PROPERTY UNDERWRITING STANDARDS
UNDERWRITING ACCEPTANCE STANDARDS OR ELIGIBILITY CRITERIA An eligible property risk must demonstrate pride of ownership and average or better housekeeping and maintenance and be of standard or better construction.
More informationCall on AAA with confidence. Have a question? Need a quote? Simply contact your nearest aaa Agent: Home & Insurance 5450-42286-49
Call on AAA with confidence. Have a question? Need a quote? Simply contact your nearest aaa Agent: Home & CONDO Insurance 5450-42286-49 Q U A L I T Y Day or night. You re covered, with AAA. Chances are,
More informationCalifornia. Umbrella Product Guide. What s New Effective Date of Revised Material Updates
Table of Contents California Umbrella Product Guide What s New Effective Date of Revised Material Updates Product Overview Description of Coverage Policy Term Retained Limit Insured Eligibility Home Care
More informationFour-Point Insurance Inspection Report
Four-Point Insurance Inspection Report Date of Inspection: Property address: Property's City, State, Zip Code: Approximate Total Square Feet: Approximate Total Living Area: Actual Year Built: Insured/Applicant
More informationHome Buyers Insurance Checklist
Home Buyers Insurance Checklist Shopping for your dream house? There are many considerations when looking at real estate, such as property taxes, school district, available recreational opportunities in
More informationIndex: Page 1 2: AUTO Insurance Questionnaire. Page 3 4: HOME Insurance Questionnaire. Page 5 6: HEALTH Insurance Questionnaire
Thank you for visiting Fortmanins.com, we appreciate thinking of us for your insurance needs. Our Licensed agents are ready to give you a professional customized quote on your Autos, Home, Farm, Commercial,
More informationTOPA INSURANCE COMPANY HOME INSURANCE PROGRAM UNDERWRITING GUIDELINES
A. GENERAL: 1. Policy Coverage: Per Policy Form No. : FDP-LTD (6/2002) 2. Policy Term: Annual Only 3. Payment Options Monthly (9 pay plan), quarterly, semi-annual or annual. Payment options are only available
More informationChapter 21. Agenda. Personal liability insurance 4/14/2015. Homeowners Insurance, Section II
Chapter 21 Homeowners Insurance, Section II Agenda Personal liability insurance Section II Coverages Section II Exclusions Section II Additional Coverages Section II Conditions Endorsements to a Homeowners
More informationLink to HO-3/HO-5 Homeowner Comparison Policy Features Basic Coverage Limits Description of Coverage
What s New Other Insurance Fire Protection Discount OREGON Homeowner Product Guide Enumclaw Property and Casualty Insurance Company 1215 Effective Date Updates How To Reach Us Phone / FAX / Email Home
More informationARIZONA. Homeowner. Product Guide. What s New. Discounts. General Rules. How To Reach Us. Additional Rating Elements HO-3 and HO-5.
What s New General Rules Discounts ARIZONA Homeowner Product Guide How To Reach Us Phone / Email Home Office Agency Services Claims Customer Service (Billing) Marketing Materials Supplies Website Target
More informationHOME INSURANCE OUR MISSION IS YOU. HOMEOWNERS INSURANCE ADDITIONAL COVERAGES. www.afi.org
HOME INSURANCE OUR MISSION IS YOU. HOMEOWNERS INSURANCE ADDITIONAL COVERAGES www.afi.org Our Mission Like those who serve our nation, AFI is dedicated to delivering protection and peace of mind. Our unwavering
More informationFTP INC 131 WHITE OAK LANE OLD BRIDGE,NJ 08857 732 679 3700 FAX 732 679 6928
FTP INC 131 WHITE OAK LANE OLD BRIDGE,NJ 08857 732 679 3700 FAX 732 679 6928 Auto Service Risks Application Applicant s Name Agency Name Agent Mailing Address Address Web site Address E-mail Phone PROPOSED
More informationOREGON MUTUAL INSURANCE COMPANY PERSONAL LINES PROPERTY UNDERWRITING STANDARDS
UNDERWRITING ACCEPTANCE STANDARDS OR ELIGIBILITY CRITERIA An eligible homeowners risk must demonstrate pride of ownership and appropriate housekeeping and maintenance and be of standard or better construction.
More informationHomeowners Package Policy Guidelines
Homeowners Package Policy Guidelines State of Georgia AVAILABLE LIMITS: Minimum Maximum Homeowner Package Policy (HO-3, HO-8) Dwelling (Coverage A) $5,000 Submit if over Binding Authority Adjacent Structures
More informationCOMPANION PROPERTY AND CASUALTY INSURANCE COMPANY HOMEOWNER UNDERWRITING GUIDELINES
COMPANION PROPERTY AND CASUALTY INSURANCE COMPANY HOMEOWNER UNDERWRITING GUIDELINES I. GENERAL INSTRUCTIONS The Agent shall complete and submit the Texas Application for Homeowner s Insurance from the
More informationTexas Fair Plan Association
Texas Fair Plan Association FREQUENTLY ASKED QUESTIONS What is the Texas FAIR Plan Association and its purpose? The Texas FAIR Plan Association is an entity established by Texas Insurance Code Article
More informationTHE INSURANCE SOLUTION FOR YOUR
THE INSURANCE SOLUTION FOR YOUR HOME HOMEOWNER OPTIONS ADVANTAGES TEXAS HOMEOWNER OPTIONS ADVANTAGES HOMEOWNER OPTIONS PROGRAM HO 0003 AND HO 0005 Coverages Included Optional Coverages ESTATES OPTION HO
More informationFEDERATED NATIONAL INSURANCE COMPANY
FEDERATED NATIONAL INSURANCE COMPANY HOMEOWNER APPLICATION PRODUCER APPLICANT'S NAME AND MAILING ADDRESSS (INCLUDE COUNTY & ZIP+4) POLICY NUMBER DATE (MM/DD/YY) CODE: Phone Fax HOME PHONE # DAY EVE BUSINESS
More informationFour Point Inspection
tpatrick@ispects.me Tampa Bay Area: Southwest Florida: (813) 368-6407 (239) 896-3986 Four Point Inspection Izzo, Frank & Jacqueline 3214 Williamsburg Street Sarasota, FL 34231 9/26/2013 Note to Policyholder:
More informationHOMEOWNER FORMS COMPARISON OF 1991, 2000 & 2011 VERSIONS
PAGE 1 HOMEOWNER FORMS COMPARISON OF 1991, 2000 & 2011 VERSIONS TOPIC HOW HO-91 HANDLES IT HOW HO2000 HANDLES IT HOW THE 2011 HO REVISION HANDLES IT Risks of direct physical loss on personal property Other
More informationHOMEOWNERS POLICY PROGRAM CALIFORNIA
HOMEOWNERS POLICY PROGRAM CALIFORNIA THE TOKIO MARINE AND FIRE INSURANCE COMPANY, LTD. (U.S. BRANCH) Includes copyrighted material of Insurance Services Office, with its permission Copyright, Insurance
More informationDepartment of Business Regulation Insurance Division 1511 Pontiac Avenue, Bldg. 69-2 Cranston, Rhode Island 02920. Consumer Alert.
Department of Business Regulation Insurance Division 1511 Pontiac Avenue, Bldg. 69-2 Cranston, Rhode Island 02920 Consumer Alert Spring Flooding HOMEOWNERS NEED TO PREPARE FOR ONE OF THE BIGGEST SPRING
More informationHO Supplement for Condominium Unit-Owners and Cooperative Apartments
HO Supplement for Condominium Unit-Owners and Cooperative Apartments 11/09 2009 Underwriters Rating Board; All Rights Reserved. HO 1/09 INDEX DESCRIPTION PAGE Basic Policy Coverage and Limits 1 Mandatory
More informationFIREMAN S FUND PERSONAL INSURANCE FLORIDA HOMEOWNERS and COLLECTIONS COVERAGE NEW AND RENEWAL BUSINESS GUIDELINES PRESTIGE HOME PREMIER HO3, HO4, HO6
FIREMAN S FUND PERSONAL INSURANCE HOMEOWNERS and COLLECTIONS COVERAGE NEW AND RENEWAL BUSINESS GUIDELINES PRESTIGE HOME PREMIER HO3, HO4, HO6 All features and coverages must be present to be eligible for
More informationKansas Coverage Comparisons
The Universal Security Policy Kansas Coverage Comparisons Comparing some of the coverages offered under our Special, Deluxe and Elite levels of coverage to standard industry homeowners, dwelling fire and
More informationMONEY LENDING & CHEQUE CASHING APPLICATION
45 Vogell Road, Suite 306, Richmond Hill, Ontario L4B 3P6 Tel: 905-305-0852 Toll: 1-888-489-2234 Fax: 905-305-9884 www.grouponeis.com MONEY LENDING & CHEQUE CASHING APPLICATION BROKERAGE: Broker contact:
More information