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 their lifetimes allowing agents to profitably write and retain more account business. Pricing for is based on combinations including Insurance score, prior losses, age of owner and prior insurance. All Insurance Scores are eligible for coverage. Please refer to the following eligibility criteria and requirements and see how The Hartfords Dimensions plan delivers greater value to our agency partners. Ineligible Risks Risks with more than 2 losses of any type (in the last 3 years). No fire losses allowed. Note: wind, hail, lightning, earthquake and CAT losses cannot be considered when determining eligibility. Risks located in Protection Class 10 with wood/coal/pellet stoves. (Woodstove questionnaire is required for PC 1-9) Greater than 2 family home Properties with unfenced pools or any trampoline. Properties that are vacant, unoccupied, up for sale, or under construction (when completion date exceeds 120 days). Dwellings with Asbestos building materials (including roof material), or with knob and tube or aluminum wiring. 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 that are exposed to brush or forest fire, wave wash, cave-in, sinkhole or landslide loss exposures. Residences that provide home day care. Pets/Animals - Including but not limited to Presa Canario, Pit Bull (Staffordshire terrier)/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. Properties with a slope of more than 30 degrees are not acceptable. The Hartford reserves the right to evaluate each applications 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.
Dwelling & Coverage Requirements Deductible: Minimum $500. If more than 1 CAT/Weather loss, $1000 all perils deductible is required. Coverage A (no maximum). High Valued Homes ($1,000,000 & over must be pre-approved by your Underwriter prior to binding coverage. Central Station Fire & Burglar Alarm may be required. Insurance to Value- 100% Insurance to Value required. A completed MSB Costimator is required for all dwelling submissions. Secondary or Seasonal residence coverage is available at a maximum Coverage A amount of $250,000 with a minimum $500 deductible. All other underwriting criteria must be met. Applicants primary residence must be in force with The Hartford at the time of application. Photos are required on dwellings 15+ years old if Coverage A is less than 85,000 and on all dwellings 50+ years old. Condos & Renters Coverage C minimum $15,000, maximum $350,000. Roof coverings must be well maintained and in good condition. All flat roofs are unacceptable. Wood roofs over 15 years old are unacceptable. All roofs over 25 years old are unacceptable. ( 25 year limit does not apply to lifetime type roofs (ie: tile, slate)). Older homes (50+ years) complete the ACORD updating section for each system. All systems must be well maintained and in good condition. Electrical: minimum 100-amp service. Partial updating and combination of fuses & circuit breakers permitted. Plumbing: no leaks, full copper or PVC preferred, partial updating permitted. Heating: must be centrally controlled by thermostat. Oil fired furnaces must be serviced annually, burners must have been replaced within past 50 years. Partial updating permitted. Common Endorsement Requirements Replacement Cost Dwelling coverage is available on homes 50+ years provided the dwelling complies with all the updating parameters outlined in the Older Home and Dwelling Underwriting section of these guidelines. 100% ITV is required. In Home Businesses on premises are eligible, however, eligible businesses for Form HO-42 are limited to incidental office-type exposures and those with no employees or customer access. Home day care exposures are unacceptable. Sump Pump or Sewer backup Coverage: Coverage is available if there have been no previous related claims
Underwriting Requirements Effective Date of Coverage: Applications must be postmarked or uploaded no more than 3 days after the effective date of coverage Property Insurance Score and Property CLUE Report are required for all applicants. Prior to binding coverage, please order Insurance Score (at The Hartfords expense) using QTI our on-line quote and issue system using the applicant(s) Social Security number and address (and prior address if any. Property CLUE Reports are ordered automatically immediately prior to policy issuance. All applications for coverage must be submitted using QTI, The Hartfords online quote and issue system. 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 Skis, ATVs, dirt bikes, and snowmobiles, or any similar vehicle(s) used for recreational purposes. 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 below # of days following earthquake: If Richter Magnitude is: Any risk within below miles of epicenter: 30 5.0-5.9 100 60 6.0-6.9 200 60 7.0+ 250 Earthquake Deductible: 10% Deductible for Earthquake coverage for all new business in zones 4 & 5. 15% Deductible for Earthquake coverage for all in zones 2 & 3.
SCHEDULED PERSONAL PROPERTY Eligible classes: Jewelry, Silverware, Fine Arts, Golf Equipment, Stamp collections, Musical instruments, Cameras, Furs, Coin Collections. Note the request on the Application & attach ACORD Inland Marine application. Current appraisals (less than 5 years old) are required for any item $10,000 or more. o Appraisals by certified, independent appraisers are preferred to appraisals by dealers or galleries. o Bills of sale may be use to confirm appraised value 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 & Fine Arts risks 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. All other classes: risks where total amount of insurance exceeds $25,000 or where the amount of insurance for any single item exceeds $15,000. WATERCRAFT Please refer to the Watercraft Underwriting Guidelines on EBC.
Policy Term and Payment Plans Plan offers a 12-month policy term, and a variety of payment plans. Available payments options, including service fees, recommended down payment amounts, and payment schedules can be viewed on Quote-to-Issue (QTI) during the issuance process. Youll find additional billing services information under the Lets Do Business tab in EBC. Information Reports and Privacy Policy It is The Hartfords policy to require that agents notify applicants that consumer reports will be ordered. Further, any applicant whos Insurance Score does not qualify for our best price, or who has any unreported prior losses uncovered by the CLUE Report must be advised that their premium will not reflect the lowest rate as a result of this information. Please refer to the Notice of Ordering Consumer Report Procedures and the Notice of Ordering Consumer Reports for Privacy Act states, both of which are available on the Electronic Business Center (EBC). Applicants have a right to obtain copies of any reports used in the evaluation of their applications. For a copy of reports used in The Hartfords Dimensions, please refer applicants to the appropriate company noted below: For Insurance Scores: Trans Union LLC, 2 Baldwin Place, PO Box 1000, Chester, PA, 19022, or call toll free, at 1-800-645-1938. For CLUE: ChoicePoint Consumer Disclosure, P.O. Box 105108, Atlanta, GA 30348, or call toll free, at 1-800- 456-6004 (office located at 2885 Breckinridge Blvd., Suite # 200, Duluth, GA 30096) The Hartford is committed to the privacy of our customers. You may distribute our Privacy Policy to any applicant or customer, and you will find a copy of that Privacy Policy on the EBC Home Page