Carrier: New York/New Jersey:
Carrier: Connecticut:

A+ XV Carrier
A+ XV Carrier

Both of the above underwriting companies are Non-Admitted in the states listed above. Subject to a 25% Minimum Earned Premium

Form: ISO Homeowners 3 Only

Minimum Cov A Dwelling Limit:

Coverage B: Other Structures:
Coverage C: Personal Property:
Coverage D: Loss of Use:
Coverage E: Personal Liability:
Coverage F: Medical Payments:

NY/CT $300,000
NJ $200,000
10% of Cov A
50% of Cov A
20% of Cov A
$300,000 ($500,000 Available)
$1,000

Maximum TIV Coverages A-D without Home Office Approval : $4,000,000

Deductibles:
AOP Deductibles:
Under $500,000 Limit:
$500,000 - $999,000:
$1,000,000 - $2,000,000:
Over $2,000,000:

Windstorm Deductibles:
0 to 2.5 miles from Water:
All Others:

Valuation:
Coverage A:
Coverage C:

Minimum of $1,000
Minimum of $2,500
Minimum of $5,000
$7,500 - $10,000

3%
2%

Replacement Cost if insured at 80% RCV
Actual Cash Value (Replacement Cost Avail.)

Secondary or Seasonal Dwellings:

• Will underwrite coverage without primary

• Policy will include Warranty that heat must be maintained or water drained while unoccupied

Other Policy Warranties:

• Central Station Fire & Burglary will be required for all High Value Dwellings

Acceptable Loss Experience:
Will accept 2 prior losses within the past 3 years without Home Office referral.

Exclusions: Flood, Quake, Mold

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