Coverage Limits

  • Coverage A: up to $1M (Higher limits are available)
  • Coverage B: 10% of Cov A
  • Coverage C: up to $300K
  • Coverage D: up to $100K
  • Deductible: 1%, 2%, 3%, 4%, 5%

Roof

Any structure with an eƒffective age prior to 1984 must have preferred roof and foundation construction.

Endorsements

  • Personal Property Replacement Cost: Includes Major Appliance Coverage and allows for coverage of major appliances when they are not in a fully enclosed building.
  • Economic Demand Surge: Allows insureds to purchase additional limits of liability on coverage A and B to cover increased claims costs following a major catastrophic event; up to 15% of Cov A and B.
  • Ordinance or Law: Allows insureds to purchase additional limits of liability on Coverage A to cover increased costs due to Ordinance or Law resulting in damage from the peril of windstorm during a hurricane; up to 20% of Cov A

Underwriting Requirements

Ineligible Risks:

  • Dwellings in poor condition.
  • Dwellings with unrepaired damage.

Fees

  • Policy Fee $200
  • Surplus Line Tax (4.68%)
  • NSF Fee $50