Start quoting new products
01/01/2020
Coverage effective date
01/15/2020
Free online training gets you up to speed quickly on what’s changing.
NEW Homeowners FLEXSM:
More options than a standard HO-3.*
NEW Condominium:
For rental and seasonal properties.
NEW Yacht:
For vessels over 26' in length.
Easier to Quote:
All new quoting software saves you time and effort.
NEW Homeowners FLEXSM offers the open peril protection (aka all risk) and replacement cost settlement that’s the core of a typical HO-3 policy.
• Write owner-occupied, seasonal, and vacation homes.
• Dial up the coverages for water damage, loss of use, other structures, personal property, or liability.
• 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.
The Homeowners product helps a customer whose home presents challenges that make it harder to place. It’s also a good fit for a vacation or seasonal home.
Dwelling Special supports rental, seasonal, and vacant property with replacement cost protection to homes in average to excellent condition.
Dwelling Basic accepts owner occupancy, rental, seasonal, vacant or non-residential structures. It’s flexible in terms of the home’s condition.
The Manufactured Home program covers owner occupancy, rental units, seasonal homes, and tenant. Vacant homes fit in our Dwelling Basic program.
NEW Condominium covers harder-to-place rental and seasonal units. You can endorse the coverage to allow for short-term rentals.
Collector Vehicle accepts not just vintage models, but also “future classics” from the '80s, '90’s, and 2000s, and some currently produced models.
Motorsports accepts not just motorcycles, but ATVs, golf carts, and snowmobiles, too.
The Boat and Yacht programs are divided based on length. If less than 27 feet, quote Boat. If 27 to 64 feet, place the vessel in Yacht.
Call us at 800-543-2644 or contact your underwriting authority.
*Please refer to the applicable Homeowners FLEX Program Manual for complete details. Different sub-limits may apply that vary from a standard HO-3 policy. All risk pertains specifically to dwellings and structures. Roof cosmetic damage exclusion and swimming pool slide and diving board liability exclusion apply.
**At time of conversion from modernLINK® to AMsuite® from January 2018 through September 2018, policyholders on EZPay renewed with American Modern® insurance at 98%.
