Homeowners is a new, highly flexible option for owner occupied or seasonal homes. The base package is a good fit for a simpler home or a second home that does not need a full package of protection (such as personal liability). But, by adding a few endorsements, it can be built-up to emulate an HO-3 policy’s open perils and replacement cost settlement. This helps us serve the wide range of homes in the diverse California market.
Compare these products with the retiring programs (click the buttons for details)
Homeowners This is a new that product helps a customer who wants a package of protection, but their home is not a fit for an HO-3 policy.
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 not just owner occupancy, but harder-to-find rental and seasonal units, too. You can endorse the coverage to allow for short-term rentals.
More acceptance of “future classics” from the 80s, 90s and 2000s
New options: appreciation security, automobilia, diminishing deductible, trailer physical damage.
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