All programs and features/limits are not available in all states. Please contact us at 800-303-5000 for more information.
   homeowners (HO-3)
  • Preferred and Standard tiers in most states.
  • Direct Physical Loss Replacement Cost Coverage, class 1-8 75years and newer, 750 square feet minimum and values up to $1,000,000 maximum ($700,000 in AZ, $600,000 in GA).
  • Other Structures: 10% of Dwelling, Direct Physical Loss Replacement Cost Coverage.
  • Personal Property: 50% of Dwelling Limit, Actual Cash Value (Replacement Cost Coverage available) - see policy for perils and sub limits.
  • Loss of Use: 20% of Dwelling.
  • Personal Liability: $100,000 policy limit, higher limits available for additional charge.
  • Medical Payments: $1,000 policy limit.
  • Pools & Spa: must be completely fenced, filled and maintained
dwelling fire DP-1 and DP-3
  • Basic Form DP-1 Actual Cash Value, (no replacement cost) for seasonal, tenant occupied, or owner occupied units.
  • Other Structures: Up to 10% of the Dwelling limit of liability for loss by a peril insured against for the other structures. Payment under this coverage reduces limit of liability by the amount paid.
  • Fair Rental Value: 10% of Dwelling limit.
  • Personal Property Liability: up to $500,000.
  • Medical Payments: $250 per person, $5,000 per occurrence included with liability purchase.
  • Earthquake available: 10% deductible.
  • Special Form DP-3 Replacement Cost for seasonal, tenant occupied, or owner
    occupied units.
  • Other Structures: 10% of Dwelling limit, direct physical loss replacement cost coverage. Limit may be increased for additional charge.
  • Fair Rental Value: 10% of Dwelling limit.
  • Additional Living Expenses: 10% of Dwelling limit.
  • Liability: Up to $500,000 OLT or CPL
  • Medical Payments: $250 per person, $5,000 per occurrence included with liability purchase.
  • Earthquake available: 10% deductible.
condominium/townhouse (HO-6)
  • Owner occupied, seasonal, or tenant occupied units.
  • Personal Property: Actual Cash Value: $5,000 to $250,000 maximum ($200,000 in TX).
  • Dwelling: Up to $150,000 available ($100,000 in GA and TX).
  • Loss of Use: 10% of Personal Property Limit.
  • Personal Liability: $25,000, $50,000, $100,000 and $300,000 limits.
  • Medical Payments: $250 per person, $5,000 per occurrence included with liability purchase.
  • Workers Compensation: included with Personal liability.
  • Optional Coverages: Earthquake, 10% deductible applies; Replacement Cost Coverage, applies to unscheduled property for additional charge; Loss assessment up to $25,000.
   contents only (renters) program
  • Personal Property: Up to $100,000 limit, Actual Cash Value, replacement cost available for additional charge.
  • Loss of Use: 20% of the personal property limit included.
  • Personal Liability limits from $10,000 to $300,000 available.
  • Medical payments: $1,000 each occurrence.
  • California's mandatory Workers Compensation.
  • Earthquake coverage is optional.
  mobile home
  • In-Park and Out-of-Park programs available.
  • Replacement Cost or Actual Cash Value. (varies by State)
  • Structures: 10% of Mobile Home, Replacement Cost Coverage.
  • Personal Property: 50% of Mobile Home Limit, Actual Cash Value (Replacement Cost Coverage available for additional charge).
  • Additional Living Expense: 20% of Mobile home.
  • Personal Liability: $50,000 limit - higher limits available for additional charge.
  • Medical Payments: $1,000 limit.
  stand alone earthquake
  • Premium Protection Package includes coverage for the dwelling with a 10% deductible.
  • Up to $600,000 in value.
  • Other Structures: up to 10% of the dwelling value.
  • Personal Property: up to 50% of the value.
  • Loss of Use: up to 20% of the dwelling value.
  • Maximum $25,000 building code upgrade and loss assessment coverage included.
  • Standard Protection Package is the California mini policy similar to CEA at significantly reduced rates.
  • Condo Protection Package coverage for condos built 1960 to the present are eligible.
  excess flood insurance
  • Over and above underlying NFIP / WYO policy maximum limits.
  • Additional $250,000 Building / $100,000 Contents coverage available for standard residential policies.
  • For Preferred Risk policies, an additional $250,000 Building / $60,000 Contents coverage is available.
  • Building coverage-only policies are acceptable.
  • ACV and replacement cost coverage follows underlying NFIP policy.
  • Excess flood rating examples and frequently asked questions.