Image of two people smiling toward each other.

Select Home and Signature Home Program Features

Dwelling and Coverage Eligibility Guidelines

Subject Form 0003 Form 0005 Unit Owners Form 0006 Renters Form 0004
Accessibility / Unique Location Refer to Underwriting if dwelling is not accessible year round by vehicle, on an island, remote mountain or other unique location.
Airplanes, Airplane Hangars Refer to Underwriter
Animals - Dogs Ineligible dog breeds: Bandogs, Dobermans, Rottweilers, Chows, Akitas, Pit Bulls, Staffordshire Terrier, American Pitbull Terrier, Presa Canario, Wolves, Wolf hybrids, or Dog Teams; Dogs with bite and / or aggressive behavior history are ineligible.
Animals - Maximum Number Three dogs, two horses; prior approval required for households with any more than five animals of any kind or combination.
Animals - Other Llamas, livestock, or similar animals contact Underwriting; chickens are permitted if no selling / distributing eggs and no heated coup near dwelling; cats and other small house pets are eligible.
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.
Construction Dome, Earth, Manufactured, Mobile, Straw are ineligible. Log-Hand Hewn and Modular home construction, contact Underwriting. Not Applicable
Coverage A - Maximum Over $1,000,000 (protected) or $800,000 (unprotected), refer to Underwriter prior to binding. Over $100,000, refer to Underwriter prior to binding. Not Applicable
Coverage A - Minimum Under $150,000, refer to Underwriter prior to binding. $300,000 10% of Coverage C Not Applicable
Coverage C - Minimum 70% of Coverage A limit is included. Limit can be reduced. $25,000 $20,000
Day Care Ineligible
Deductible Deductibles are available:
  • $1,000, $1,500, $2,500, $5,000, and $10,000
  • Over $1,000,000 Coverage A, minimum $5,000 base deductible
 Deducibles available:
  • $500, $1,000, $1,500, $2,500, $5,000, and $10,000
Wind / hail deductibles are available Wind / hail deductible not applicable
Dwelling Under Construction / Builder's Risk Must be completed and occupied by insured within 12 months; construction cannot be past foundation stage; Insured may not be builder or general contractor. Ineligible Not Applicable
Earthquake Cannot bind if within a 100 mile radius of an earthquake measuring 5.0 or better within 30 days. Questionnaire is required.
Electrical Amperage 60 amps ineligible; 100 amp minimum
Electrical Service Electrical systems should be free of knob and tube and aluminum wiring and provide the service level and materials to meet demand for house size and technology / electrical appliances. No fuses. 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 ineligibile. Not Applicable
Farming Ineligible
Fire Protection Property must be accessible year-round and within 10 road miles of the primary responding fire department; gated communities or other restricted access, contact Underwriting. Property must be accessible year-round and within five road miles of the primary responding fire department and within 1,000 feet of a hydrant; gated communities or other restricted access ineligible. Property must be accessible year-round and within 10 road miles of the primary responding fire department; gated communities or other restricted access, contact Underwriting.
Foundations Permanent foundation only Not Applicable
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, and appraisal, and receipt or bill of sale.
Hangar Homes Refer to Underwriting
Heating Central heat required; primary heating unit must be 30 years or newer; if storage tank indoor - no masonry floor; Eligible primary heat sources: natural gas, electric, oil, geothermal, propane. Not Applicable
Heating - Solid Fuel Burning Devices 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.
  • Outdoor wood burning unit may be acceptable - minimum 50 feet from any dwelling.
  • Barrel stove, Franklin stoves, and homemade stoves are ineligible.
  • Units in garages and detached structures, refer to Underwriting.
  • Exterior stovepipes are ineligible.
  • Units used as primary heat source are ineligible.
  • All units are charged.
  • Woodburning furnace ineligibile.
  • Cooktop Stoves ineligible.
Jet-Ski / Personal Watercraft Refer to Watercraft policy
Jewelry Underwriter approval required prior to binding for single items valued over $15,000; appraisal required for items $5,000 or greater.
Mobile Home / Manufactured Home Ineligible
Mono-line Home Package business preferred; mono-line considered
Occupancy Must be owner occupied. Ineligible if vacant or unoccupied. Maximum of two roomers / boarders if unaccompanied by homeowner for more than 30 consecutive days, coverage may not apply. Refer to Underwriting.
Plumbing Plumbing systems must be well maintained and free of leaks. Homes built prior to 1960: the plumbing systems must be mostly copper / PVC and free of leaks. Suitable documentation must be provided. Not Applicable
Prior Insurance Continuous coverage with no lapse required; prior cancellation, non-renewal, or impending non-renewal in the last three years is ineligible; first time homebuyer is exempt from this requirement. Policy must be written in Select.
Residence One and two family dwellings Not Applicable
Brush Clearance Refer to Underwriting
Roof Condition / Age 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. Ineligible
Roof Type Tin, rubber membrane, tar and gravel, or rolled roofs are ineligible; flat roofs over living areas are ineligible. Not Applicable 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.
Service Line Primary homes only. No backdating of coverage. $10,000 of coverage for homes 50 years and newer. Homes over 50 years, maximum coverage of $2,500. Not Applicable Not Applicable
Snowmobiles / Snowmachines Refer to Road & Trail policy
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.
  • Indoor Swimming Pool requires prior Underwriting approval
 Not Applicable
Trampolines Trampolines with full safety netting and staked to the ground may be eligible. Surcharge will apply; Exclusion also available.
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.
Water Back-Up Coverage - Increased Limits Ineligible if there are any water back-up losses in previous three years. If located in a flood zone, cannot be within 1,000 feet of a pond or lake or one mile from a river, stream, or canal.
Watercraft Refer to Watercraft policy
Wood Burning Devices Traditional wood burning or gas 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 40 feet from any structures / buildings / 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.
  • Photos are required to show 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. Homes on a historic register are ineligible. 30 years and newer Homes over 100 years require Underwriter approval prior to binding. Homes on a historic register are ineligible. Not Applicable