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• CA Homeowners (Ho-3) - Insurance

  • Dwelling coverage limit $70k - $2M ($1.3M and greater submit for prompt review and approval)​

  • No proof of prior insurance required

  • Dwellings built 1900 or after acceptable

  • Flat roofs acceptable

  • No plumbing, heating or electrical updates needed

  • Trusts acceptable with Trustee/Beneficiary listed as Additional Insured

  • LLC's acceptable with Managing Member of LLC listed as Additional Insured

  • Tar and Gravel roofs acceptable, subject to fire and lightning only coverage for the roof

  • All dog breeds accepted.  Limited animal liability coverage available, subject to certain dog breed limitations

  • Prior losses within the prior 36 months as follows;

    • One theft loss; or​

    • Up to two property and/or liability losses (non-theft)

  • Fireline scores of 3 or below acceptable.  Fireline scores of 4 and greater acceptable with DIC (Difference in Conditions Endorsement from CA Fair Plan)

  • Unfenced pool acceptable.  Must be located in gated community that is unfenced due to HOA or other local restrictions

  • Townhouses/Rowhouses are acceptable

  • Protection 1-8 acceptable

• CA Dwelling Fire (DP-1/DP-3)

  • Dwelling coverage limit $70k - $2M ($1.3M and greater submit for prompt review and approval)​

  • No proof of prior insurance required

  • Dwellings built 1900 or after acceptable

  • Flat roofs acceptable

  • No plumbing, heating or electrical updates needed

  • Trusts acceptable with Trustee/Beneficiary listed as Additional Insured

  • Tar and Gravel roofs acceptable, subject to fire and lightning only coverage for the roof

  • LLC's acceptable with Managing Member of LLC listed as Additional Insured

  • All dog breeds accepted.  Limited animal liability coverage available, subject to certain dog breed limitations

  • Duplexes, Triplexes, and Fourplexes acceptable

  • Risks with one prior loss acceptable.  Chargeable losses include property, liability, and/or theft losses

  • Fireline scores of 3 or below acceptable.  Fireline scores of 4 and greater acceptable with DIC (Difference in Conditions Endorsement from CA Fair Plan)

  • Unfenced pool acceptable.  Must be located in gated community that is unfenced due to HOA or other local restrictions

  • Townhouses/Rowhouses are acceptable

  • Protection 1-10 acceptable

  • Vacant dwellings acceptable on DP-q up to 3 months

  • Current lease agreement not required for tenant occupied risks

• Flood Insurance

• Earthquake Insurance