Homeowner Products
Our homeowner products are designed for primary, full-time occupied residences. The HO-A is our most popular form. Some companies offer the ability to endorse replacement cost on the dwelling and personal property which is also known as an HOA +. The HOB is our broad form. This form is an all risk policy and includes replacement cost.
Colonial Lloyds - Is an admitted carrier backed by “A” rated reinsurance. Colonial Lloyds has mandated state rates and offers credits to include senior citizens, fire and burglary alarm. Colonial Lloyds also offers a "Preferred" program that includes additional discounts for exceptional risks. Refer to the Underwriting Guidelines to see if the risk qualifies. For complete underwriting guidelines, click here.
Certain Underwriters @ Lloyd’s - Is an "A" rated company. This is our most flexible company. They offer the HOA, HOA+ and HOB form with several credits to offer the insured. The maximum dwelling value is $300,000 in most counties. Lloyd’s accept homes with wood roofs, asbestos siding, and semi or unprotected homes with a premium surcharge. This company is designed to make room for the "hard to place" risks. For complete underwriting guidelines, click here.
Voyager Indemnity - Is an "A" rated company. This company is very comparable to Certain Underwriters. The guidelines are similar to some degree. Voyager offers a "Premier" program that includes discounts for exceptional risks. Voyager also offers a highly requested policy limits on accidental discharge of water. For complete underwriting guidelines, click here.
Ranchers and Farmers - Is an admitted carrier backed by an “A” rated carrier in Aegis. This policy is billed in monthly installments under a “direct bill” system and does not require premium finance. This company offers an HOA form. The home must be owner occupied and the maximum TIV exposure for this form is $200,000. For complete underwriting guidelines, click here.
Republic Vanguard - Is an "A" rated company. This program is designed to write HO-A and HO-B primary, full-time occupied residences. The maximum dwelling value is $150,000 and all risks are subject to an acceptable CLUE and Credit report. For complete underwriting guidelines, click here.