Mississippi Homeowner Products
Our homeowner products are designed for primary,
full-time occupied residences as well as secondary
occupancy. We even have a place for the seasonal risk
that may be rented to others occasionally. The HO-3 is
our most popular form and includes replacement coverage
on the dwelling for most homes. Some companies offer
the ability to endorse replacement cost on personal
property as well as schedule valuable items. The HO-8
is a named peril policy for those risks that do not
qualify for the HO-3. Coverage is available for all
protection classes. Photos are not required from the
agent as inspections are ordered by the company.
Certain Underwriters @ Lloyd’s
- is an "A" rated company. This is our most
accommodating company. They offer the HO-3, HO-4 and
HO-8 forms for primary or secondary occupancy. They can
even accommodate the seasonal risks that may be rented
occasionally. The maximum dwelling value is $500,000
for the HO-3 and $200,000 for the HO-8. Lloyd’s accepts
homes with wood roofs, asbestos siding, and semi or
unprotected homes. This company is designed to make
room for the "hard to place" risks.
Voyager Indemnity
- is an "A" rated company. This company is
comparable to Certain Underwriters. The guidelines are
similar to some degree. Voyager offers an HO-3 program
that includes replacement cost on the dwelling for most
homes with an option to add replacement cost for
personal property. Valuable property can also be
scheduled for added security. Voyager offers
optional liability limits to $300,000 for the insured’s
who need higher limits for underlying umbrella
requirements. The maximum coverage a value is
$200,000.
Aegis Security
– is an “A” rated admitted company. The Bronze
program is written on a basic peril form which includes
personal property, unattached structures, loss of use,
personal liability and medical payments. This program is
designed for older homes
$40,000 to $125,000. Used for primary and secondary
occupancy.
Alterra Specialty
- is an "A" rated company. This program is
designed for the better than average
homeowner with values ranging from $175,000 up to and
over $1,000,000 TIV in protection classes 1-8. The focus
with this program is on the preferred homeowner, with the
best fit being homes located in coastal counties written
on an X-wind basis.
American Reliable
– is an “A” rated admitted company. This program offers
broad form coverage for contents of insureds renting
apartments and dwellings and is written on the HO-4
policy form. Loss of use and
liability coverage is included in this package with
personal property replacement cost and increased
liability limits to $100,000 available. All protection
classes are eligible.
Lexington - is
an "A" rated company. This program offers the HO-3
and HO-6 forms. The program is very competitive on high
value homes located in coastal areas. It is written to include
the peril of wind.
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