| 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.
|
| 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 |
