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Substandard Homeowners Program |
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Are you having a hard time placing a homeowner's policy?
Do the standard markets not want to write the account due to underwriting circumstances?
Let South Western Group help you. We have three programs under which we can consider a Substandard Homeowner's risk.
PLUS I - All Risk on Building; Actual Cash Value on Dwelling; Replacement Cost on Contents.
PLUS II - Named Perils on Building; Actual Cash Value on Dwelling; Replacement Cost on Contents.
PLUS III - Named Perils on Building; Actual Cash Value on Dwelling; Actual Cash Value on Contents.
Scheduled Articles Cover is available (except for seasonal/secondary residence risks)
SWG Will Consider:
- Properties with up to 2 mortgages
- Up to 200 acres provided there is no farming or commercial activities, eg. Bush
- Multiple locations on one policy (this includes rented dwellings, provided we are also covering the insured's principal residence)
- Risks under minor renovations - provided completion date is no longer than three months from date of inception
- Up to four boarders living with owner
- Two family occupancies
- Duplex situation - partial tenant occupancy
- Snowbird situations provided residence is being cared for on a regular basis while insureds are absent
- 60 amp service, with an electrician's letter
- Knob & Tube-- up ro 25% with an electrician's letter -- up to 50% if replacement within 60 days of binding
- Galvanized plumbing
- Risks on an island, provided the risk has no claims
- Combination wood furnace and outdoor wood furnaces, or woodstoves as primary heat
- If risk is a business operation -- with CGL in place
- If risk is registered under a company name, if only for tax purposes
- Risks cancelled for non-payment
- Applicants with no prior insurance experience
Click HERE to obtain an application.
Contact information:
Amie Vandevenne: Phone: 1-866-794-5463 extension 2236,
or
Marilyn Skinner: Phone: 1-866-794-5463 extension 2272,
or
Email: Quotes@SWGINS.com
or
Fax: 1-877-329-2794 |
