• No age limit
  • We have no age limit on dwellings
• Distance to coast
  • We don’t have a restriction on distance to the coast
• We accept trampolines, diving boards, slides
  • We exclude liability for losses by pool slides, diving boards or trampolines
• Burglar bars are acceptable
  • We accept burglar bars with/without a release latch
• Max acreage
  • We have no maximum acreage amount
• Protection class 1-10 are accepted
  • Acceptable; gates, guards, and alarm systems are not required
• Roof age
  • 15 yrs for flat roofs (15 yrs Tri-County)
  • 15 yrs shingle roofs (15 yrs Tri-County)
  • 25 yrs tile/metal roofs (20 yrs Tri-County)

NOTE: Roof ages are verified with a final roof permit

• Polybutylene branch plumbing accepted
  • Acceptable with Water Damage Exclusion on HO3; Limited Water Endorsement not permitted on HO3
  • Acceptable as Basic Choice
• Galvanized branch plumbing accepted
  • Acceptable with Water Damage Exclusion with the optional Limited Water Buy Back Endorsement on HO3
  • Acceptable as Basic Choice
• PEX plumbing is accepted
  • Acceptable regardless of age
• Water heater age limit
  • 15 years and newer inside the home; garage/non-living space no age requirement; condition subject to underwriting review
• Water Buy Back
  • We offer Water Buy Back coverage on HO3 policies for homes that are over 40 years old with a max of $10,000 of coverage for an additional premium for water damage losses
• All electrical panels are accepted
  • Risks with single strand aluminum wiring, knob and tube wiring, fuse panels, and cloth wiring are subject to underwriting review
• Wind mitigation
  • For wind mitigation credits, the OIR- B1-1802 (Rev. 01/12) form must be used
  • No restrictions on inspection date
  • Not required to be in insured‘s name

• FBC credit
  • Can be applied with a final permit that reflects the roof has been fully replaced after 3/1/2002
• Opening protection
  • We accept A.1, A.2, A.3 as Class A and B.1, B.2, B.3 as Class B
• No 4-point/roof certificate inspection requirement
  • We conduct our own home inspection at no cost to the insured
  • We don’t require our home inspection on homes 5 years or newer
  • Our home inspection may be waived by submitting the pre- purchase property inspection
• We insure solar panels
  • Coverage is excluded for hurricane loss to solar water heating systems, see guidelines for additional details
• We accept all dog breeds
  • We exclude animal liability
  • Dogs with a bite history are prohibited
• Farm animals are acceptable
  • As long as the farm animal is for personal use and there is no revenue generated
  • We exclude animal liability
• We offer pay plan options
  • Payment plans include:
    • Full pay
    • 2 pay
    • 4 pay
    • 9 pay (EFT through a checking account)

Note: $10 one time set up fee and $3 installment fee for each installment.

• • • Accept all credit cards or ACH Draft
• Our agent commission rates have not changed for new business and renewals
• Simplified claims process with RRT
  • We don’t subcontract which means RRT will be deployed immediately to prevent further damage
  • All work comes with a 3-year workmanship guarantee
• Online chat directly with an Underwriter

NOTE: Maximum combined discount of 10% for 55+, Secured Community and Military Discounts