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This program is similar to the Standard Homeowners risk but with leeway to allow for increased loss or non-pay incidences. MUST HAVE PRIOR UNDERWRITING APPROVAL. Excessive or large claims and/or non-payment history may disqualify the risk.

Limitations on prior loss frequency:

  • 1-4 property losses within the past 5 years and no more than 3 losses within the past 3 years (theft losses are limited to 2 within 5 years and 1 within 3 years).
  • Minimum deductibles are determined based on prior loss experience/amount of prior losses. Please refer to manual or contact an underwriter for guidelines