Eligibility Guidelines

Subject	Dwelling Property Form 1	Dwelling Property Form 2	Dwelling Property Form 3
Animals – Dogs	Ineligible dog breeds: Bandogs, Dobermans, Rottweillers, Chows, Akitas, Pit Bulls, Staffordshire Terrier, American Pitbull Terrier, Presa Canario, Wolves, Wolf hybrids, dog teams; Dogs with bite and / or aggressive behavior history are ineligible.
Animals – Maximum Number	Three dogs; prior approval required for households with any more than three dogs and / or two horses, and five chickens.
Animals – Other	Cats and other small house pets are eligible; llamas, livestock, or similar animals are ineligible; unusual pets such as pygmy goats, potbelly pigs, etc., refer to Underwriting.
Business on Premises	Underwriter approval required prior to binding; properties with business operations in detached structures are ineligible. Business on premises may be acceptable with supporting commercial policy. Refer to Underwriting.
Coverage A – Maximum	Protection Class 1-8B $600,000; Protection Class 9 and 10 $400,000
Coverage A - Minimum	Under $75,000, refer to Underwriter prior to binding
Credit History	No public records (bankruptcy, foreclosure, judgments, repossessions, tax liens) in five years
Day Care	Ineligible
Dome Homes	Ineligible
Earth Homes	Ineligible
Electrical Service	No knob-and-tube wiring, aluminum wiring, or fuses; no 60 amp service. Electrical systems should provide the service level and materials to meet demand for house size, technology, and electrical appliances. Homes built prior to 1940: electrical systems (all wiring, connectors, fasteners, and service panels) must be completely replaced with modern materials. Suitable documentation must be provided.
Farming	Ineligible
Fire Protection	Property must be accessible year-round. Dwellings over 10 miles to a fire station refer to Underwriting.
Heating	Furnace or primary heating source must be 30 years or newer. Wood furnace or solar heating systems should be referred to Underwriting prior to approval.
Heating - Solid Fuel Burning Devices	UL approved units may be acceptable if professionally installed with proper clearances. Submit the solid fuel questionnaire and photo. Solid fuel devices include wood, corn, and pellet stoves. • Units in garages and detached structures should be referred to Underwriting. • Units used as primary heat source are ineligible.
Log Homes	Hand hewn log homes should be referred to Underwriting.
Losses Prior Three Years	One weather loss permitted; non-weather losses should be referred to Underwriting; open claims ineligible; losses attributed to the applicant and / or the property to be insured will be evaluated; multiple incidents in years three to five discuss with Underwriting.
Mobile Home / Manufactured Home	Ineligible
Occupancy	One to four family Student housing is ineligible
Ownership	Any commercial entity including an LLC is ineligible.
Plumbing	System must be well maintained and free of leaks.
Prior Insurance	Continuous coverage with no lapse required; prior cancellation, non-renewal, or impending non-renewal is ineligible; first time homebuyer is exempt from this requirement.
Rental Unit Maximum	Five units (a duplex counts as two units)
Risks within 50ft of Brush	Refer to Underwriting.
Roof Condition / Age	Twenty 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.
Roof Type	Tar and gravel, and rolled roofs are ineligible; flat roofs are ineligible
Stucco / EIFS	Homes with EIFS are ineligible; stucco homes built after 1981 are also ineligible, however, newer construction may be considered.
Seasonal Home	Seasonal homes that meet Underwriting eligibility guidelines are acceptable with supporting coverage of the primary residence. Unsupported seasonal residences may be considered with prior Underwriting approval.
Swimming Pools	Ineligible, if tenant occupied
Trampolines	Ineligible
Units / Families	No more than four units or four families in one structure.
Wind / Hail Deductible	Available with deductible options starting at $1,000.
Wood Burning Devices	Gas and brick or stone wood burning fireplaces are acceptable. The unit must be UL approved and installed per manufacturer clearance and fire protection specifications (see “Heating - Solid Fuel Burning Devices”) Do not bind Outdoor wood boilers or exterior hydronic boilers. To be considered for coverage: • The boiler should be a minimum of 30 feet from any structures, buildings, or combustibles (e.g. wood piles). • Chimneys need to be at least 2 1/2 feet above the dwelling’s roofline. • If city / municipality code requires greater clearances, the policyholder must comply with those requirements. • Must be primary heat source. • Photos are required showing front and rear at an angle where we can see the full appliance and note distance from any structure / combustible.
Year of Construction	Homes over 100 years require Underwriter approval prior to binding.
8/21/2023