California Residential Products
Manufactured Home
- Occupancy: owner, rental, seasonal, vacant, tenant
- Home: no age limit, single family, multi-sectional, modular, tiny home
- Coverage: comprehensive causes of loss – stated value settlement for total loss – ACV for partial loss – upgrade to full repair, replacement or extended replacement cost for homes 30 years of age and newer – ACV settlement for personal property, upgrade to replacement cost.
- RC available on any aged home in CA
- Coverage A limits of $300k in AZ and up to $500k in CA
- Optional Endorsements like Golf Cart, Mechanical Breakdown
- 100% Water Damage Coverage
- In AZ, can schedule up to 25 Units on 1 Personal Lines Policy
Homeowners
- Occupancy: owner, seasonal
- Home: no age limit, 1- to 4-family, above average or better condition, up to 3 stories, row homes, flat roof
- Value: $75,000 to $1.25M
- Commission 10% for most classes
- Coverage: comprehensive (all risk) coverage, replacement cost, modified functional replacement cost, extended replacement cost settlement for dwelling and other structures – named peril coverage, ACV settlement for personal property, upgrade to replacement cost
- 1-2 Family Units
- Coverage A Max Value is $1M with $1M Liability Option (both AZ/CA)
- Optional Coverage up to 100% Water Damage Coverage
Dwelling Fire
Basic:
- All Occupancies (excluding tenant) including Non-Resident
- No Age Limit, 1-4 Family Unit, Average to Better Condition – Think Flippers!
- Value in CA: Up to $1M, Value in AZ: Up to $300k (Seasonal/Rental/Owner) and $1M for Vacant.
- Optional Limited Water & Theft Coverage available
- In AZ, can schedule up to 30 Units on 1 Personal Lines Policy
Special:
- All Occupancies (Excluding Tenant)
- No Age Limit, 1-4 Family Unit, Above Average Condition – Think Airbnb/VRBO!
- Value in CA: Up to $1.25M, Value in AZ: Up to $500k for Rental and $1M for (Seasonal/Vacant)
- Option to Buy Up to 100% Water Damage Coverage, Service Line and Personal Injury
Condo
- In CA, Offer Owner, Seasonal and Rental (Short and Occasional Terms)
- In AZ, Offer Seasonal and Rental (Short and Occasional terms)
- Coverage A Limits $500k and 100% Water Damage Coverage Included
Additional Information
- Short-term rental coverage
- 3 Prior losses acceptable
- Any Age Home Including Those Without Updates
- Extended Replacement Cost
- Direct Bill
- LLCs, Trust/Deeds are Acceptable as Primary Named Insured
- Writes in All Protection Classes