coastal home - Non-Admitted Program
  • Primary, secondary, seasonal, course of construction, unoccupied and vacant homes.
  • $1 million liability coverage is available on the HO3 form.
  • If the home is more than 30 years old, we need information on when updates have been made to the roof, plumbing, wiring and heating system. Inspection scheduled within 30 days of binding unless the agent can provide a recent inspection that is acceptable to underwriters.
  • To be eligible for HO3 coverage, homes must not be rented for more than 12 weeks during the year. Homes that are rented more than 12 weeks per year can be written on a DP3 form.