Compare these products with the retiring programs (click the buttons for details)
The new Homeowners FLEX product offers the same open peril protection (aka all risk) and replacement cost settlement that’s at the core of an HO-3 policy. But then we FLEX and give you more options.*
Write owner-occupied and seasonal/vacation homes.
Dial up the coverages for water damage, loss of use, other structures, personal property, or liability. (Water damage: 10%|25%|50%|75%|100%. Personal property covered at 40% of Coverage A.)
Cover homes that do not have a place in the standard HO-3 market due to claims, age, location, size, or value concerns.
Add options such as occasional rental, earthquake, service line failure, or ID recovery.
Seasonal homes are accepted and coverage remains unmodified during the off-season vacancy.
So FLEX with confidence. It’s never been easier to customize and cover more homes.
Dwelling Basic accepts owner occupancy, rental, seasonal, vacant or non-residential structures. It’s flexible in terms of the home’s condition.
Dwelling Special supports rental or seasonal occupancy, and vacant property, too. It offers replacement cost protection to homes in good condition.
The Manufactured Home program covers owner occupancy, rental units, seasonal homes, and tenant. Vacant homes fit in our Dwelling Basic program.
Condominium covers harder-to-find rental and seasonal units. You can endorse the coverage to allow for short-term rentals.
Collector Vehicle
More acceptance of “future classics” from the 80s, 90s and 2000s
New options: appreciation security, automobilia, diminishing deductible, trailer physical damage.
Motorsports
Refreshed rates improve competitive position
Replacement cost coverage for bikes two model years and newer continues for the life of the policy
Not just motorcycles, but ATVs and golf carts, too.
Boat / Yacht
Consequential damage is included
Parts up to 10 years of age covered at replacement cost
Up to $50,000 coverage for personal effects (fishing gear) and for medical payments
