Eligibility Guidelines

Subject	Dwelling Property Form 1	Dwelling Property Form 2	Dwelling Property Form 3	DP2-Special (Condo Units Only)
Accessibility	Underwriting approval required if DP 3 requirements are not met		Ineligible if dwelling is not accessible year round by vehicle
Animals - Dogs (IA, SD & WI only)	Ineligible dog breeds: Dobermans, Rottweilers, Chows, Akitas, Pit Bulls, Staffordshire Terrier, American Pitbull Terrier, German Shepherds, Presa Canario; Dogs with bite and/ or aggressive behavior history are ineligible
Animals – Maximum Number	Three dogs; prior approval required for households with more than five animals of any kind or combination
Animals – Other	Horses, llamas, livestock, or similar animals are ineligible Chickens are permitted if no selling/distributing eggs and no heated coop within 50 ft of dwelling Cats and other small house pets are eligible Unusual pets such as ferrets, potbelly pigs, etc. are ineligible
Business on Premises	Underwriter approval required prior to binding; properties with business operations in detached structures are ineligible
Construction	Underwriting approval required if DP3 requirements are not met	Dome, Earth, Manufactured, Mobile, Straw, Hand Hewn Log construction are ineligible		Not Applicable
Coverage A - Maximum	$400,000 Contact underwriting for higher limits			$300,000
Coverage A - Minimum	Under $100,000, refer to Underwriter prior to binding			Not Applicable
Coverage C	Not Applicable
Day Care	Ineligible (exceptions may apply in the state of Minnesota; contact underwriting)
Deductible-Base	Base deductibles available: $500, $1,000 $2,500; $5,000; $7,500, $10,000; Percent options available
Deductible-Wind/Hail (IA)	Not Applicable	$2,500 Minimum Homes over $1,000,000- $5,000 Minimum		Not Applicable
Deductible-Wind/Hail (MN, SD)	Not Applicable	1% of Coverage A		Not Applicable
Deductible-Wind/Hail (WI)	Not Applicable	Homes under $500,000-$1,500 Minimum Homes $500,000 to $999,999-$2,500 Minimum Homes $1,000,000 & over-$5,000 Minimum		Not Applicable
Electrical Amperage	Underwriting approval required if DP3 requirements are not met	60 Amps ineligible; 100 Amps minimum
Electrical Service	Underwriting approval required if DP3 requirements are not met	Electrical systems should be free of knob & tube and aluminum wiring and provide the service level and materials to meet demand for house size and technology / electrical appliances Homes built prior to 1960: the electrical systems (all wiring, connectors, fasteners and service panels) replaced with modern materials. Suitable documentation must be provided.
Exterior Wall Covering	Synthetic Stucco (EFIS) and Plywood are ineligible			Not Applicable
Farming	Ineligible			Not Applicable
Fire Protection	Underwriting approval required if over 10 miles		Property must be within 10 road miles of the primary responding fire department and must be accessible year round
Foundations	Concrete block, stone, or masonry enclosed foundations are acceptable. All others foundation types, underwriting approval required			Not Applicable
Heating	Underwriting approval required if DP 3 requirements are not met		Central heat required Furnace/Boiler must be 30 years or newer Homes built prior to 1960 will need suitable documentation of last replacement Fuel storage tank must be above ground for oil heating; Wood, kerosene, and solar heating are ineligible	Not Applicable
Heating - Solid Fuel Burning Devices	Underwriting approval required if DP3 requirements are not met	Do not bind coverage - UL approved units and fireplace inserts may be acceptable if professionally installed with proper clearances meeting manufacturer installation requirements. Fireplace inserts require a continuous flue from the insert to the top of the chimney. Submit the solid fuel questionnaire and photo; prior approval is required. Solid fuel devices include wood, corn, and pellet stoves. Barrel stove, Franklin stoves, and homemade stoves ineligible Units in garages and detached structures are ineligible Exterior stovepipes are ineligible Units used as primary heat source are ineligible Woodburning furnaces are ineligible Outdoor wood burning unit may be acceptable-minimum 40 ft from any dwelling Surcharge applied to solid fuel burning units
Mono-line Dwelling Property	Rental dwelling will require supporting primary home policy
Occupancy	One or Two Family Owner or tenant occupied Ineligible if vacant or unoccupied Short-term, nightly or Airbnb rentals are ineligible Student housing is ineligible
Plumbing	Underwriting approval required if DP3 requirements are not met	Plumbing systems must be well maintained and free of leaks. Galvanized pipes- refer to underwriting Homes built prior to 1960: the plumbing systems must be mostly copper/PVC and free of leaks. Suitable documentation must be provided.
Prior Insurance	Continuous coverage with no lapse required; prior cancellation, non-renewal, or impending non-renewal in the last 3 years is ineligible; first time homebuyer is exempt from this requirement-Must be written in Select
Rental Unit Maximum	Five units (Duplex counts as two units)
Roof Condition/Age	Underwriting approval required if DP3 requirements are not met	20 years old and newer or lifetime roof surface such as tile, slate, and metal All roofs must be in good condition and free of curling or otherwise deteriorated components		Not Applicable
Roof Surface Coverage (IA, MN, SD)	ACV loss settlement terms	All roofs over 15 years will have ACV loss settlement terms for windstorm or hail losses		Not Applicable
Roof Type	Underwriting approval required if DP3 requirements are not met	Tin, rubber membrane, tar and gravel, or rolled roofs are ineligible Flat roofs over living areas are ineligible.		Not Applicable
Seasonal Homes	Supporting primary home or renters coverage is required
Supporting Coverage	Supporting primary home or renters coverage is required
Swimming Pools	If adding liability, the following is required for all forms: Six foot self-latching fence required Slides and diving boards over sufficient water depth are eligible. Above ground pools without a fenced yard may be eligible if enclosed by deck around pool with a locked gate or additional fence/ guard around pool. Ladders must swing up and lock.			Not Applicable
Trampolines	If adding liability, the following is required for all forms: Trampolines may be eligible with full safety netting and staken to the ground. Surcharge will apply; Exclusion also available			Not Applicable
Units/Families	No more than two units or two families in one structure
Wood Burning Devices	Underwriting approval required if DP3 requirements are not met	Do not bind coverage - UL approved units and fireplace inserts may be acceptable if professionally installed with proper clearances meeting manufacturer installation requirements. Fireplace inserts require a continuous flue from the insert to the top of the chimney. Submit the solid fuel questionnaire and photo; prior approval is required. Barrel stove, Franklin stoves, and homemade stoves ineligible Units in garages and detached structures are ineligible Exterior stovepipes are ineligible Units used as primary heat source are ineligible Woodburning furnaces are ineligible Outdoor wood burning unit may be acceptable-minimum 40 ft from any dwelling Surcharge applied to solid fuel burning units
Year of Construction	Homes over 100 years require Underwriter approval prior to binding. Homes on a historical registry are ineligible.			Not Applicable