Property

Easy Rating Options Available

Ineligible Risks

• Applicants where income is derived from a commercial, farming or business operation (including day care operations) on the premises. 
• Homes that are in foreclosure or have mortgage payments 60 days or more past due. 
• Homes located on an island, or within 1000 feet of a seacoast or river. 
• Homes supported on poles or pilings (elevated). 
• Homes under construction or homes undergoing any renovations that require the home to be vacated, or not connected to utility services. 
• Homes where any supplemental heating devices are used as the primary source of heat. Portable kerosene heaters or space heaters are ineligible. 
• Sites with prior occurrence of brushfires, floods, or landslides. 
• Vacant Mobile Homes (We can write these on the American Modern Vacant Dwelling Program).
• Applicant is unemployed, other than retired or disabled. 
• Home has more than two lienholder/mortgagors. 
• Applicant has had three (3) or more property losses in the last five (5) years. 
• Applicant has had two (2) or more Fire, Theft, Liability, Water and/or Flood losses, in any combination in the last five (5) years. 
• Homes with any unrepaired damage or boarded-up windows. 
• Home with any unrepaired water damage or any water leaks. 
• Homes that have been uninsured for thirty-one (31) or more days prior to the requested effective date, unless new purchase.