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To qualify for the Standard Homeowners Product, a risk must have the following characteristics:

  • Permanent and Primary Residence (Owner Occupied, 1 or 2 family).
  • Replacement Cost Requirements:
    1. - Updates: Roof (15 years); Electric (30 years); Heat (25 Years); Plumbing (35 Years)
    2. - Renovated home credits are available
    3. - 80% -100% RC Coverage A
  • Actual Cash Value:
    1. - Coverage A range 50-70% Replacement Cost
    2. - Under 50% RC may qualify for the Dwelling Fire Program
    3. - Required if any galvanized water pipes, fuses, or woodstove as a primary heat source

Risk characteristics that make the risk unacceptable for our Standard Homeowners Product:

  • On-premise business.
  • Prior cancellations, non-renewals, claims, non-pays, bankruptcy, foreclosure.
  • Diving boards; unfenced in-ground pools.
  • Vacancy.
  • Space heaters.
  • Coverage lapse.
  • Multiple ownership, trusts, business entities.