Eligibility Guidelines

Subject	Select Form 3	Preferred Form 3	Preferred Form 5	Unit Owner Form 6	Unit Owner Preferred Form 6	Renter Form 4
Airplanes, Airplane Hangars	Refer to Underwriting.
Animals - Dogs	Ineligible dog breeds: Bandogs, Dobermans, Rottweilers, 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	Must be insured to 80% of replacement cost.	Must be insured to 100% of replacement cost.		Not Applicable
Coverage A - Maximum	Over $1,000,000 (protected), $600,000 (partially-protected), or $500,000 (unprotected) refer to Underwriter prior to binding.			Over $100,000, refer to Underwriter prior to binding.
Coverage A - Minimum	Under $75,000, refer to Underwriter prior to binding	$200,000	$200,000	10% of Coverage C		Not Applicable
Coverage C - Minimum	70% of Coverage A limit is included; limits can be reduced to 50% of Coverage A.	75% of Coverage A limit is included; limits can be reduced to 50% of Coverage A.		$20,000		$15,000
Credit History	No public records (bankruptcy, foreclosure, judgments, repossessions, tax liens) in five years
Day Care	Ineligible
Deductible	Deductibles include $250; $500; $1,000; $1,500; $2,500; $5,000; and $10,000
Deductible	Wind / Hail deductibles are available			$250 minimum
Dome Homes	Ineligible					Eligible
Earth Homes	Ineligible					Eligible
Earthquake	Cannot bind if within a 100 mile radius of an earthquake measuring 5.0 or better within 30 days; Questionnaire (available here) is required
Electrical Service	No knob & tube, aluminum wiring, or fuses; no 60 amp service. Electrical systems should provide the service level and materials to meet demand for house size and technology / 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, if over 10 miles to responding fire department, please contact Underwriting.	Property must be accessible year-round, within five road miles of the primary responding fire department, and within 1,000 feet of a hydrant or other year-round water source providing at least 3,500 gallons of water; gated communities or other restricted access ineligible		See Select Form 3	See Preferred Forms 3 and 5	See Select Form 3
Guns	Total gun schedules of $10,000 or more and any individual gun value of $5,000 or more contact Underwriting regarding additional information and Underwriting approval. Scheduling of guns requires full description, including serial number, value, appraisal, and receipt or bill of sale.
Hangar Homes	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.			Not Applicable
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.					Eligible
Jewelry	Underwriter approval required prior to binding for single items valued over $15,000; appraisal required for items $5,000 or greater.					Approval and appraisal required for single items $5,000 or greater.
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 are ineligible. Losses attributed to the applicant and / or the property to be insured will be evaluated. For multiple incidents in years three to five, consult Underwriting.
Mobile Home / Manufactured Home	Ineligible
Occupancy	Must be owner occupied * If unoccupied by homeowner for more than 30 consecutive days, coverage may not apply. Please refer to Underwriting.					Up to two individuals may be insured under one policy.
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.
Risks within 50 Feet 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.			Not Applicable
Roof Type	Tar and gravel, rolled roofs, and flat roofs are ineligible			Not Applicable
Seasonal / Secondary Homes	Seasonal or secondary homes that meet Underwriting eligibility guidelines are acceptable with supporting coverage of the primary residence; unsupported seasonal or secondary residences will be considered when Umialik is unable to provide coverage for the primary residence. For unsupported Seasonal Homes, please refer to Dwelling Property Eligibility Guidelines (page 45)
Snowmobiles / Snowmachines	Licensed or previous licensed household members must meet Personal Auto eligibility requirements; unlicensed youthful snowmobile operators must have appropriate safety education. 800cc maximum engine size. 4-stroke 1200cc maximum engine size; auto support required.
Stucco or EIFS / Synthetic Stucco	Homes with EFIS / synthetic stucco are ineligible. Stucco homes are ineligible for earthquake coverage.			Not Applicable
Swimming Pools	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	Refer to Underwriting.
Units / Families	No more than two units and / or one family per unit; no more than two boarders or roomers.			No more than one family per unit; no more than two boarders or roomers; no more than eight units in adjoining townhome.		See Occupancy
Water Back-Up Coverage – Increased Limits	Ineligible if there are any prior water back-up losses.
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.					Traditional fireplaces and electric and gas stoves are acceptable.
Year of Construction	Homes over 100 years require Underwriter approval prior to binding; homes on a historic register are ineligible.	30 years and newer		100 years and newer	30 years and newer	Not Applicable
6/1/2018