(559) 634-1400

Personal Lines

Builders Renovation

Coverage

  • Structural renovations for residential buildings
  • Theft of building material available on DP-1, DP-3, Basic & Specialized Project costs up to 150% of existing dwelling value
  • Existing structures up to $750,000
  • TIV up to $1,500,000
  • Renovations on dwellings up to 10,000 square feet
  • Renovations to existing structures up to 3 stories
  • Protection classes 1 to 8 available
  • 3, 6, 9 or 12 month policies
  • V&MM available
  • DP1 & DP3 forms available
  • Other structures up to 20% of Coverage A
  • Personal Property up to 20% of Coverage A
  • Premises Liability Limits up to $1,000,000

Eligibility

  • Dwellings secured against unauthorized entry
  • No dwellings condemned or scheduled for demolition
  • No coverage for builders risk in distressed areas
  • No coverage for buildings with existing damage
  • No renovation after fire, theft or vandalism, demolition or underpinning of an existing building or structure, lead, asbestos, or other pollutant abatement
  • No liability coverage where building owner acts as the general contractor

Personal Lines

Course of Construction

Coverage

  • Single Projects with completed values up to $1,000,000
  • Residential and Commercial new construction up to three stories and 30,000 square feet
  • Basic & Special form with ACV-RCV options
  • Includes Soft Costs coverage
  • Includes Property in Transit and Off Site coverage
  • Protection classes 1 to 8 available
  • 3, 6, 9 or 12 month policies
  • V&MM available

Eligibility

  • No coverage for construction where work has already begun
  • Construction site locked & secured against unauthorized entry throughout the policy period when unattended
  • No coverage for buildings in distressed areas
  • No construction work involving demolition of underpinning of an existing building or structure, lead, asbestos of other pollutant abatement
  • No construction of modular, manufactured or mobile homes, earth homes, dome homes, open pier, stilt home, row or town homes, unique, green or experimental or any other non-conventional building
  • Contractor maintains GCL insurance with a minimum or $1,000,000 per occurrence

Personal Lines

Dwelling Fire

Coverage

  • Monoline Property and Package (Property and Liability) available
  • 1-4 family owner.tenant/seasonal occupied dwellings
  • Residential forms ISO DP1 & DP3
  • Ability to cover multiple occupancies i.e. both tenant and owner occupied residing at the same location
  • Ability to offer ACV on a DP3
  • Renovations coverage available, up to $150,000
  • Coverage A maximum limit of $500,000 ($750,000 in CA and $600,000 in MA, NJ)
  • PC9 & PC190 available up to $350,000 ($500,000 in CA)
  • Ability to add or exclude Coverage Bm limit 10% of coverage A
  • Coverage C 20% to 50% of coverage A available (depending on occupancy)
  • Ability to add or exclude Coverage D on tenant occupied risks, limit 20% of Coverage A
  • Coverage E additional living expenses if DP3 selected
  • Residential Premises Liability limits: up to $1,000,000
  • Residential Premises Liability includes “Partnerships, Joint Ventures, Limited Liability Companies & Trusts”
  • Ability to add exclusions and sub-limits to theft, water and vandalism coverages
  • Swimming Pool Liability coverage available
  • Low minimum premiums
  • Deductibles from $1,000
  • Schedules Available

Eligibility

  • No coverage for buildings with existing damage
  • No coverage for properties situated on more than 25 acres
  • All subject satisfactory photos

Personal Lines

Flood and Excess Flood

  • Coverage equivalent to NFIP
  • Significantly lower premiums (20-70% less on avg.)
  • Commercial and Residential Risks
  • Available in all states except Louisiana and Kentucky
  • Will consider tougher zones: zones V, VE, A, AE
  • Coverage options up to $5 million for building and contents coverage combined ($1 million maximum contents coverage)
  • Replacement cost for building and contents
  • Multiple deductible options are available: $1,000-$25,000
  • Ability to schedule locations for commercial properties
  • Accepted by mortgagees to satisfy FEMA
  • Program underwritten by Certain Underwriters at Lloyd’s of London

Personal Lines

Homeowners

Classes:

  • Any Homeowner with a Section A Coverage Minimum Limit of $ 350,000 is classed as a High Valued Homeowner under this program.

Program can include:

  • Primary Homes - Secondary Homes - Rental Homes
  • Plus, Primary Homes that are under renovation work/Course of construction
  • Any Protection Class can be quoted (Protection Class 9 and 10 Require ADD’L Questionnaire)

Limits:

  • Up to $ 10,000,000 any one risk (coverages A to D combined)
  • Up to $ 1,000,000 any one risk on Personal Liability
  • Up to $ 10,000 any one risk on Medical Payments

Coverage:

HO3 Policy Form with:

  • Standard HO3 Endorsements Available

Plus Additional Coverage Extensions:

  • Flood can be offered subject to full flood information being provided
  • Earthquake can be offered subject to aggregate availability with underwriters
  • Limited Mold Endorsement
  • Ordinance and Law Coverage
  • Identity Fraud Coverage
  • Secondary Dwelling Endorsement
  • Extended Replacement Cost
  • Water Back Up and Sump Overflow Coverage
  • Course of Construction/Renovation Endorsements

If you have a request for coverage that does not fit in with the above list of coverages/endorsements, let us know; underwriters can be flexible on the coverages

Minimum Premium: $ 2,500 under this program

Deductible

Lowest Deductible that can be offered is $1,000 under this program
Options for higher deductibles can be given on the bigger risks to lower the premium - Just let us know

Rating:

Competitive markets rates available

Fully completed accord required for a 24 hour quote turn around in most cases

Personal Lines

Special Events

Coverage

  • A wide variety of classifications to cater to your specific needs
  • Ability to e-mail Certificate of Insurance directly to the Insured
  • Up to 3,000 attendees and up to 15,000 overall event attendance
  • Events up to 5 days and until midnight
  • Commercial General Liability limits to $1,000,000/$2,000,000
  • Minimum premiums from $250
  • Host liquor liability available for private events in certain states
  • Including private events, business events & events open to the general public

Examples of Special Events (including but not limited to)

  • Anniversary Party
  • Antiques fair
  • Arts & Crafts
  • Auction
  • Awards Presentations
  • Bar Bat Mitzvah
  • Barn Dance
  • Business Dinner/Meeting
  • Christmas Fair
  • Church Events
  • Classical Folk/Jazz Concert
  • Community Fun Day
  • Educational Workshop
  • Exhibition
  • Family Reunion
  • Film fair
  • Food and Wine Fair
  • Fund Raiser
  • Gala
  • Non Profit Functions
  • Quinceañeras
  • Receptions
  • Recitals
  • Treasure Hunt
  • Weddings

Personal Lines

Vacant Land*

Coverage

  • 3, 6, 9, 12 month policies
  • Up to 500 acres of vacant land coverage
  • Medical Payments up to $10,000
  • Commercial General Liability Limits: up to $1,000,000/$2,000,000
  • Low minimum premiums

Eligibility

  • 100% vacant land
  • Up to 500 acres
  • Water hazard up to 1 acre
  • Subject eligibility criteria

Personal Lines

Vacant Property

Coverage

  • Monoline Property, Package (Property and Liability), Contents, and Multiple Locations including schedules available
  • Residential forms ISO DP1 & DP3
  • Commercial forms ISO Basic and Special – ACV & RCV
  • Building values up to $3,000,000
  • Residential Premises Liability Limits up to $1,000,000
  • Residential Premises Liability includes “Partnerships, Joint Ventures, Limited Liability Companies & Trusts”
  • Residential Liability coverage includes Swimming Pool Liability
  • Commercial Premises Liability Limits up to $1,000,000/$2,000,000
  • Renovations: 50% of building value up to $400,000
  • Low minimum premiums
  • 3, 6, 9 or 12 month policies
  • Deductibles from $500
  • Theft available in conjunction with V&MM on DP3 / Special

Eligibility

  • Buildings secured agains unauthorized entry
  • No buildings condemned or scheduled for demolition
  • No coverage for buildings in distressed areas
  • No coverage for buildings with existing damage
  • All subject satisfactory photos or inspection for risks exceeding $500,000