East and Gulf Coast Homes

Key Product Features

• Forms HO3, HO5, HO6, DP3

• Coverage A from $100k to $1.5m

• Maximum TIV: $3m

• High risk coastal properties accepted

• Earthquake available

• All wind and ex wind options available

• Primary, secondary, tenanted & seasonal homes

• Annual policies only

Product Appetite Sweet Spot

• Resilient building construction and roof upkeep strongly credited

• Evidenced building system updates required on older properties

• Year built after 1994 in Florida and after 2000 elsewhere

• Coverage A between $200-800k

Ineligible Risks:

• ISO Protection Class 9 & 10

• Risks outside the lower 48 states

• Claims within the last 3 years:

• Properties with two or more non-cat claims of any quantum

• One non-cat claim greater than $25k

• High risk wildfire zip codes

• Monroe County, FL

• Properties constructed before 1950

• Properties with non-standard construction

• Short term rental lease for over 20 weeks a year

• EIFS construction prior to 1998

• Coverage A under $100k (DP3, HO3, HO5), or $20k (HO6)

• Coverage B/C/D greater than 20%/80%/30% of Coverage A (DP3, HO3, HO5)

• Floor area under 1000 sq. ft. (DP3, HO3, HO5), or 500 sq. ft. (HO6)

• Vacant or Course of Construction risks

• Airplane hangar homes

• Mobile, manufactured or modular homes

• Multi-location policies (multiple buildings at one address are permitted)

• Farms or ranches

• Space heater or wood stove as primary heating source

• Galvanized, steel, iron or polybutylene plumbing (risks with external cast iron plumbing are permitted)

• Electrics with fuses