Are you looking for the absolute easiest Personal Lines programs out there? Well, here it is! You can QUOTE a risk, BIND the risk and even ISSUE the policy right at your own desk! We offer both admitted and non-admitted markets to suit your needs.
In order to take advantage of all these programs, please contact Chris Butterworth (602-494-6935) or Alfredo Rico (602-494-6913) for a password and user ID. It only takes a few minutes to walk you through the set-up process. Once finished, you can issue policies immediately by going directly to our OPUS (Online Personal lines Underwriting System)
This program is designed for one- or two-family, owner-occupied, or secondary dwellings. Protection classes from 1 to 10 are acceptable. Dwelling values may range from $50,000 to $500,000. Additional coverages include Other Structures (10%) and Personal Property (40%). Optional higher limits are available. Loss of use (10%) and $25,000 Personal Liability limit are also included. $500 Medical Coverage is included with the liability. Optional Liability limits up to $500,000 are also available. Replacement costs for the dwelling are included.
This program is designed for one-to-four-family dwellings that were built within the last 50 years. In addition to owner-occupied dwellings, they may be tenant-occupied. Acceptable protection classes range from PC 1 to 10, depending on the value of the home. Acceptable dwelling values range from $75,000 to $500,000 depending on the protection class of the home. Additional coverages include Other Structure(10%), Personal Property(40%). Optional higher limits are available for these coverages. Loss Of Use(20%) and Personal Liability of $100,000 are also included. $1,000 Medical Coverage is included with the Liability. Optional Liability Limits up to $500,000 are also available. Replacement costs for the dwelling are included.
This program is designed for one- to four-family dwellings. In addition to owner-occupied dwellings, they may be seasonal, vacant, or tenant-occupied. Protection classes from 1 to 10 are acceptable. Dwelling values may range from $20,000 to $200,000. A wide range of coverages are available. These optional coverages include Liability with limits to $300,000, V & MM, Personal Property, and Burglary. However availability may be limited, based on occupancy.
Also known as our Landlord Policy, this gem is perfect for the investor that wants to put multiple dwelling properties on one policy with one common effective/expiration date. You can add and delete properties on the fly and it's all direct billed to the insured. The named insured can be a corporation, an LLC or a private party. One rate for both vacant and tenant-occupied structures and coverages are per location, not an aggregate. 1-4 family dwellings are also accepted.
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This program is designed to write mobile homes for Arizona only. We have three tiers:
Preferred: This program is designed for newer, owner, or seasonal occupied homes located in mobile home parks or developments in Protection Classes 1-8. The unit must be skirted and have a minimum replacement value of $20,000. The package form provides coverage on a comprehensive basis.
Elite: This program is designed for the older mobile home with values as low as $20,000. Occupancy may be either Owner Occupied as a primary residence or as Seasonal occupancy.
Rental/Vacant/Commercial: This program is designed for mobile homes that either the owner rents to a tenant for residential living or are used for light office, professional, or institutional purposes.