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Personal Lines

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)

Here's what's available: HO3, DP3, Multi-Home Program, Mobile Homes

 

Homeowners - HO3 (AZ, NV)

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.

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Homeowner's - DP3 (AZ, NV)

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.

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Homeowner's - DP1 (AZ, NV)

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.

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Multi-Home Program - DP3 (AZ, NV)

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.

Click here for the Rapid Rater

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Mobile Home Program (Arizona Only)

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.

 

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