• CPA for Secondary/Seasonal Home (HO3)

    (Carrier Placement Analysis - AFN102)

  • This CPA will guide you to identify which carrier (s) will be the best to write this Risk (LOB)   

    Step 1: Collect risk info via request for home quote or via Purl for this LOB. (Already done - go to step 2)
    Step 2 – Create client in ezlynx if it’s a new client to the agency.
    Step 3 – Enter the risk info into ezlynx for bridging to carriers. (Only applies to bridgeable LOB’s).
    Step 4 – Identify the carriers that writes this line of business.
    Step 5 – Compare final validated rates to determine the best carrier for this risk.
    Step 6 – Prepare application for client to Signing
    Step 7 – Bind the Policy & Complete Point of Sale
    Step 8 – Process BOR & Complete Point of Sale (In case client decides to BOR to our Agency)

     

  • Date
     - -

  • Applicant Information:

  • Address Information: We must be careful and take precaution with insuring this location.  It's very important that we do not place insurance on the wrong address and a claim is denied. 

  • Property Title Information: We must verify how the property is titled to so we can determine how the policy should be written and to make sure all individuals and/or entities are covered properly. 

  • Show me

  • Prior Ins. Policy Info:

  • Reconstruction Cost Info:

  • Note: This coverage A Limit has been increased by 10% for any items that we did know about or include in our RC Estimate.

  • Detached Structures Information:

  • Are there any detached structures of any kind on this lot

  • How many detached structures are there

  • Underwriting Characteristics:

  • Underwriting Questions:

  • Is the Roof in poor condition or near end of life

  • Is it a Woodshake Roof

  • Is the primary heating system powered by other than natural gas and/or electric

  • How is it powered

  • What type of electrical panel does the home have.

  • Is the panel made by Federal Pacific, Zinsco, GTE Sylvania

  • Is the home undergoing any remodling or renovation

  • Will construction work be completed before the effective date of the new policy

  • Does the home have a Post and Pier Foundation

  • Is there a Trampoline on premises?

  • Anchored to the ground and netted

  • Are there any farm animals

  • How many types of farm animals

  • Is there a swimming pool on the premises

  • Does it have any of the following

  • Is the Property currently for sale or planned to be sold in the next 6 months? (By the applicant)*

  • Is your current/prior policy being canceled for any reason

  • Are there Dogs on the premises

     

  • Number of dogs

  • Have you had any homeowner insurance claims in the last 5 years

  • Number of claims

  • Is your home protected by an alarm system

  • What type of alarm does the home have

  • Note: Having an alarm will give a discount on the policy, however to receive the biggest discount the client will have to call the alarm company and request alarm certificate. We cannot accept a copy of any application, or screenshot, or copy of the bill. Only the alarm certificate is acceptable and nothing else.

  •  

    Coverage Guidance:  The following will help to choose the coverage limits and endorsement on the policy.

    Standard Coverage:   
    Coverage A - Dwelling: Based on the RC Estimator, this is the amount of coverage need to replace the home in case of a total loss aka reconstruction cost. 
    Coverage B - Other Structures: The standard limit included is 10% and should be increase in case the others structures value is greater than 10%.
    Coverage C - Personal Property: The standard limit included is 50% or more, but can be increase if more coverage is needed.
    Coverage D - Loss of Use: The standard limit included is 20% or actual loss sustained, but can be increase if more coverage is needed.
    Coverage E - Personal Liability: The standard limit is 300K, but can be increase if more coverage is needed.
    Coverage F - Medical Payment: The standard limit is 5K, but can be increase if more coverage is needed.

     

    Other Coverages & Endorsements:
    Building Ordinance: The standard limit included is 10%, but can be increase if more coverage is needed.
    DIC Endorsement: This endorsement if available should be added in case the home does not pass brush requirements & a Fair Plan policy need to be written.
    Replacement Cost on Dwelling: This endorsement should always be added if available in every case.
    Replacement Cost on Personal Property: This endorsement should always be added if available in every case.
    Extended Replacement for Dwelling: This endorsement should always be added with a minimum of 125% but can be increase to 150% if needed.
    Animal Liability: This endorsement should be added if the client has any animals and given a minimum limit of 25K coverage but should have 100k if available.
    Equipment Breakdown: This endorsement should not be included automatically, we do not add this unless the client is asking for it or if it will help close the sale.
    Sewer or Drain Backup: This endorsement should be added and given a minimum limit of 10k coverage but should have 25k if available.
    Personal Injury:  This endorsement should always be added if available in every case.

     

    Deductible:  The standard deductible we should be quoting is $2500, however rates for different deductibles can be given to the client so they can choose what they prefer to have in case of future loss. 

     

     

  • Ezlynx Client Creation:

    Field-2D

  • Note: Since the client already exists, then just verify the applicant's contact information with what's listed below.

  • Note: Create a new personal lines client (aka new Applicant).

  • Show me

  • Ezlynx Risk Entry (For Bridging:)

  • Market Guidance for Secondary Home Insurance:

     

    Carriers: Appetite: Ezlynx Bridging:
    Mercury   Yes
    Bamboo   Yes
    Stillwater   Yes
    Cabrillo   Not Yet Available
    First Cap   Not Yet Available
    Aegis   Not Yet Available
    Am. Modern   Not Yet Available
    Sagesure   Not Yet Available
    Delos   Not Yet Available
    Aegis (E&S)   Not Yet Available
    Lightspeed   Not Yet Available
    Bamboo (E&S)   Yes
    KW Specialty   Not Yet Available
    Swyfft   Not Yet Available
    Fair Plan   Not Yet Available
         

    • Underwritten by California Automobile Insurance Company (NAIC 38342)
    • AM Best Rating
    • This is the Standard (Preferred Program).
    • Written on a Admitted Basis.
    • Direct Bill Basis.
    • Verify Ivans Participation

  • Basic Underwriting:   
    Homeowners Guidelines  
    HO3 Product Comparison
    HO3 Specimen  
    Product Highlights

    • Home must not be older then 48 years old
    • Max cov A limit is $5 million, however over $1.5 million will require approval.
    • Cannot write Secondary or Seasonal home without first having the Primary home with Mercury.

     

  • Basic Underwriting for DIC:
    DIC FAQ's

    • Maximum Coverage A Limit as a DIC is $5 million, however over $1.5 million will require approval.
    • A copy of the Ca. Fair Plan declarations page is required.
    • None of the coverages have to match the fair plan policy.
  • Reason for Declination or didn't pursue
  • Reason for Declination or didn't pursue (2)
  • Rows
    • Section 1 - Underwriting Guidelines 
    • Section 2 - Policy Limits & Endorsements 
    • Section 3 - Recent Carrier Changes 
    • Section 4 - Maple 

    • Underwritten by Sutton National Ins Co (NAIC 25798)
    • AM Best Rating
    • This is the Standard (preferred program).
    • Written on a Admitted Basis.
    • Direct Bill Basis.
    • Verify Ivans Participation

  • Basic Underwriting:

    •  Bamboo does not write seasonal or secondary homes on an HO3 policy format. However you can write it on a dwelling fire format so you must quote it as a dwelling fire and not a homeowners.

  • Basic Underwriting for DIC:

    • Maximum Coverage A Limit as a DIC is 2 million.
    • A copy of the Ca. Fair Plan declarations page is not required.
    • None of the coverages have to match the fair plan policy.
  • Reason for Declination or didn't pursue
  • Reason for Declination or didn't pursue (2)
  • Rows
    • Section 1 - Underwriting Guidelines 
    • Section 2 - Policy Limits & Endorsements 
    • Section 3 - Recent Carrier Changes 
    • Section 4 - Maple 

    • Underwritten by Stillwater Insurance Company (NAIC 25180)
    • AM Best Rating
    • This is the Standard (Preferred Program).
    • Written on a Admitted Basis.
    • Direct Bill Basis.
    • Verify Ivans Participation

  • Basic Underwriting: 
    Homeowners Guidelines
    HO3 Product Comparison
    HO3 Specimen
    Product Highlights

    • Must be built 1975 and newer
    • Maximum coverage A limit is 2,500,000
    • Coverage A limit of 1,500,000 and above requires approval
    • This policy for a seasonal / secondary cannot be written unless stillwater insures the home.

  • Basic Underwriting for DIC:  (New Bus Suspension)
    DIC Coverage Information

    • Maximum Coverage A Limit as a DIC is $1.5 million
    • A copy of the Ca. Fair Plan declarations page is not required.
    • None of the coverages have to match the fair plan policy.
  • Reason for Declination or didn't pursue
  • Reason for Declination or didn't pursue (2)
  • Rows
    • Section 1 - Underwriting Guidelines 
    • Section 2 - Policy Limits & Endorsements 
    • Section 3 - Recent Carrier Changes 
    • Section 4 - Maple  

    • Underwritten by US Coastal Prop & Cas Insurance Company (NAIC 15900)
    • AM Best Rating
    • This is the Standard (Preferred Program).
    • Written on a Admitted Basis.
    • Direct Bill Basis.
    • Verify Ivans Participation

  • Basic Underwriting:
    Homeowners Guidelines
    HO3 Product Comparison
    HO3 Specimen
    Product Highlights

    • The TIV (Total Insured Value) for Coverage A+B+C+D cannot exceed 1.5 Million
    • Home must not be built before 1900
    • Must be entered as an HO3 or HO3 Dic for High Fireline Area's but there is a question that will appear to choose Tenant Occupied for Rental Properties. Cabrillo does not write DP3 policy format in California.
    •  

  • Basic Underwriting for DIC:

    • The TIV (Total Insured Value) for Coverage A+B+C+D cannot exceed 2 Million for a DIC Policy.
    • A copy of the Ca. Fair Plan declarations page is required.
    • Coverage have to match Ca. Fair Plan limits.
  • Reason for Declination or didn't pursue
  • Reason for Declination or didn't pursue (2)
  • Rows
    • Section 1 - Underwriting Guidelines 
    • Section 2 - Policy Limits & Endorsements 
    • Section 3 - Recent Carrier Changes 
    • Section 4 - Maple  

    • Underwritten by Aegis Security Insurance Company (NAIC 33898)
    • AM Best Rating
    • This is the Standard (Preferred Program).
    • Written on a Admitted Basis.
    • Direct Bill Basis.
    • Verify Ivans Participation

  • Basic Underwriting: 

    • First Cap does not write seasonal or secondary homes on an HO3 policy format. However you can write it on a dwelling fire format so you must quote it as a dwelling fire and not a homeowners.
    • Fireline 0 to 2 is okay for full policy.
    • Home must not be built prior to year 1900.

  • Basic Underwriting for DIC:

    • Maximum Coverage A Limit as a DIC is 3.5 million.
    • A copy of the Ca. Fair Plan declarations page is required.
    • Coverage does not have to match Ca. Fair Plan limits.
    • Fireline 3 and above requires DIC.
  • Reason for Declination or didn't pursue
  • Reason for Declination or didn't pursue (2)
  • Rows
    • Section 1 - Underwriting Guidelines 
    • Section 2 - Policy Limits & Endorsements 
    • Section 3 - Recent Carrier Changes 
    • Section 4 - Maple  

    • Underwritten by SEAVIEW INS CO (NAIC 10004)
    • AM Best Rating
    • This is the Standard (Preferred Program).
    • Written on a Admitted Basis.
    • Direct Bill Basis.
    • Verify Ivans Participation

  • Basic Underwriting: 
    Homeowners Guidelines
    HO3 Product Comparison
    HO3 Specimen
    Product Highlights

    • There must be no more than 3 Buildings Maximum on the Lot (aka Parcel)
    • There must be no more than 12 Units Maximum on the Lot. 3 Buildings at 4 units each equals 12 Units. 
    •  

  • Basic Underwriting for DIC:
    DIC Guidelines
    DIC Homeowners Specimen
    DIC Disclosure Form

    • Maximum Coverage A Limit as a DIC is $3.5 million.
    • A copy of the Ca. Fair Plan declarations page is not required.
    • None of the coverages have to match the fair plan policy.
  • Reason for Declination or didn't pursue
  • Reason for Declination or didn't pursue (2)
  • Rows
    • Section 1 - Underwriting Guidelines 
    • Section 2 - Policy Limits & Endorsements 
    • Section 3 - Recent Carrier Changes 
    • Section 4 - Maple  

    • Underwritten by AMERICAN MODERN PROP & CAS INS CO
      (NAIC 42722)
    • AM Best Rating
    • This is the Standard (Preferred Program).
    • Written on a Admitted Basis.
    • Direct Bill Basis.
    • Accessed Thru JEBrown.
    • Verify Ivans Participation

  • Basic Underwriting: 
    HO3 Guidelines
    HO3 Product Comparison
    HO3 Specimen
    Product Highlights

    • Must be built after 1980 to get special form and replacement cost.
    •  
    •  

  • Basic Underwriting for DIC:

    • Maximum Coverage A Limit as a DIC is $
    • A copy of the Ca. Fair Plan declarations page is required.
    • Coverage does not have to match Ca. Fair Plan limits.
    • Must be built after 1980 to get special form and replacement cost.
  • Reason for Declination or didn't pursue
  • Reason for Declination or didn't pursue (2)
  • Rows
    • Section 1 - Underwriting Guidelines 
    • Section 2 - Policy Limits & Endorsements 
    • Section 3 - Recent Carrier Changes 
    • Section 4 - Maple  

    • Underwritten by SURECHOICE UNDERWRITERS RECIPROCAL EXCHANGE (SURE) (NAIC 17030S)
    • AM Best Rating
    • This is the Non-Standard Program.
    • Written on a Non-Admitted Basis.
    • Direct Bill Basis.
    • Verify Ivans Participation

  • Basic Underwriting:
    Homeowners Guidelines
    HO3 Product Comparison
    HO3 Specimen
    Product Highlights

    •  Maximum coverage A Limit is 1,250,000
    •  
    •  

  • No DIC Policies are offered in CA at this time:

  • Reason for Declination or didn't pursue
  • Reason for Declination or didn't pursue (2)
  • Rows
    • Section 1 - Underwriting Guidelines 
    • Section 2 - Policy Limits & Endorsements 
    • Section 3 - Recent Carrier Changes 
    • Section 4 - Maple  

    • Underwritten by HOMESITE INS CO
      (NAIC 17221)
    • AM Best Rating
    • This is the Non-Standard Program.
    • Written on a Non-Admitted Basis.
    • Direct Bill Basis.
    • Verify Ivans Participation

  • Basic Underwriting:
    Homeowners Guidelines
    HO3 Product Comparison
    HO3 Specimen
    Product Highlights

    • Maximum Coverage A Limit 1.5 Million.
    • Minimum Policy Cost $2600
    • Maximum Square Footage Limit is 5000 sq ft.
    • No more than 2 losses accepted in the last 5 years. Must not be 2 losses of the same kind regardless of payout.
    • Zinsco or Stab Lock electrical Panel is not acceptable.
    • Home must not be older than 100 years old.

  • No DIC Policies are offered in CA at this time:

  • Reason for Declination or didn't pursue
  • Reason for Declination or didn't pursue (2)
  • Rows
    • Section 1 - Underwriting Guidelines 
    • Section 2 - Policy Limits & Endorsements 
    • Section 3 - Recent Carrier Changes 
    • Section 4 - Maple  

  • (Aegis E&S Program)

    • Underwritten by Hiscox Lloyds of London Syndicate 33 (NAIC)
    • AM Best Rating
    • This is the Non-Standard Program.
    • Written on a Non-Admitted Basis.
    • Direct Bill Basis.
    • Verify Ivans Participation

  • Basic Underwriting: 
    Homeowners Guidelines
    HO3 Product Comparison
    HO3 Specimen
    Product Highlights

    •  Maximum Coverage A limit is $1.5 million
    •  
    •  

  • No DIC Policies are offered in CA at this time:

  • Reason for Declination or didn't pursue
  • Reason for Declination or didn't pursue (2)
  • Rows
    • Section 1 - Underwriting Guidelines 
    • Section 2 - Policy Limits & Endorsements 
    • Section 3 - Recent Carrier Changes 
    • Section 4 - Maple  

  • (Bamboo Excess & Surplus Lines Program) 

    • Underwritten by SUTTON SPECIALTY INS CO (NAIC 16848)
    • AM Best Rating
    • This is the Non-Standard Program.
    • Written on a Non-Admitted Basis.
    • Direct Bill Basis.
    • Verify Ivans Participation

  • Basic Underwriting:
    Homeowners Guidelines
    HO3 Product Comparison
    HO3 Specimen
    Product Highlights

    •  Maximum Coverage A Limit 2 Million
    •  Must be built 1900 and newer
    •  

  • Basic Underwriting for DIC:

    • Maximum Coverage A Limit as a DIC is 2 million.
    • A copy of the Ca. Fair Plan declarations page is not required.
    • None of the coverages have to match the fair plan policy.
  • Reason for Declination or didn't pursue
  • Reason for Declination or didn't pursue (2)
  • Rows
    • Section 1 - Underwriting Guidelines 
    • Section 2 - Policy Limits & Endorsements 
    • Section 3 - Recent Carrier Changes 
    • Section 4 - Maple  

    • Underwritten by KW SPECIALTY INS CO (NAIC 16255)
    • AM Best Rating
    • This is the Non-Standard Program.
    • Written on a Non-Admitted Basis.
    • Direct Bill Basis.
    • Verify Ivans Participation

  • Basic Underwriting:
    Homeowners Guidelines
    HO3 Product Comparison
    HO3 Specimen
    Product Highlights

    • The TIV (Total Insured Value) for Coverage A+B+C+D cannot exceed 2 Million for a Full Policy.
    • Written on a Non-Admitted Paper & Agency Billed

  • Basic Underwriting for DIC:

    • The TIV (Total Insured Value) for Coverage A+B+C+D cannot exceed 3 Million for a DIC Policy.
    • Coverage on the CFP does not have to match the KW Policy, however we must have an RCE to show that support the amounts.
    • Coverage B,C, and D on the KW Policy cannot be higher than the coverage B,C and D on the Fair Plan Policy.
    • The deductable on the KW Policy cannot be lower than the deductable on the Fair Plan Policy.
    • The Loss Settlement (ACV or replacement cost) must match.
  • Reason for Declination or didn't pursue
  • Reason for Declination or didn't pursue (2)
  • Rows
    • Section 1 - Underwriting Guidelines 
    • Section 2 - Policy Limits & Endorsements 
    • Section 3 - Recent Carrier Changes 
    • Section 4 - Maple  

  •  

    • Underwritten by LLOYD'S SYNDICATE NUMBER 2987
    • AM Best Rating
    • This is the Non-Standard Program.
    • Written on a Non-Admitted Basis.
    • Direct Bill Basis.
    • Verify Ivans Participation

  • Basic Underwriting:
    Homeowners Guidelines
    HO3 Product Comparison
    HO3 Specimen
    Product Highlights

    • The TIV (Total Insured Value) for Coverage A+B+C+D cannot exceed 3.3 Million.
    • Must be built 1950 and newer.
    • 1-2 Units accepted on HO3 form as long as the owner lives in 1 unit.

  • No DIC Policies are offered in CA at this time:

  • Reason for Declination or didn't pursue
  • Reason for Declination or didn't pursue (2)
  • Rows
    • Section 1 - Underwriting Guidelines 
    • Section 2 - Policy Limits & Endorsements 
    • Section 3 - Recent Carrier Changes 
    • Section 4 - Maple  

  •  

    • Underwritten by (NAIC 6009)
    • AM Best Rating
    • This is the Non-Standard Program.
    • Written on a Non-Admitted Basis.
    • Direct Bill Basis.
    • Verify Ivans Participation

  • Basic Underwriting:
    Homeowners Guidelines
    HO3 Product Comparison
    HO3 Specimen
    Product Highlights

  • No DIC Policies are offered in CA at this time:

  • Reason for Declination or didn't pursue
  • Reason for Declination or didn't pursue (2)
  • Rows
    • Section 1 - Underwriting Guidelines 
    • Section 2 - Policy Limits & Endorsements 
    • Section 3 - Recent Carrier Changes 
    • Section 4 - Maple  

    • Underwritten by Kinsale Insurance Company (NAIC 38920)
    • AM Best Rating
    • This is the Non-Standard Program.
    • Written on a Non-Admitted Basis.
    • Direct Bill Basis.
    • Verify Ivans Participation

  • Basic Underwriting:
    Homeowners Guidelines
    HO3 Product Comparison
    HO3 Specimen
    Product Highlights

  • No DIC Policies are offered in CA at this time:

  • Reason for Declination or didn't pursue
  • Reason for Declination or didn't pursue (2)
  • Rows
    • Section 1 - Underwriting Guidelines 
    • Section 2 - Policy Limits & Endorsements 
    • Section 3 - Recent Carrier Changes 
    • Section 4 - Maple  

    • Underwritten by NARRAGANSETT BAY INS CO (NAIC 43001)
    • This is the Non-Standard Program.
    • Written on a Non-Admitted Basis.
    • Direct Bill Basis.
    • Verify Ivans Participation

  • Basic Underwriting:
    Homeowners Guidelines
    HO3 Product Comparison
    HO3 Specimen
    Product Highlights

    •  
    •  
    •  

  • Basic Underwriting for DIC:
    DIC FAQ

    • Maximum Coverage A Limit as a DIC is $
    • A copy of the Ca. Fair Plan declarations page is required.
    • None of the coverages have to match the fair plan policy.
  • Reason for Declination or didn't pursue
  • Reason for Declination or didn't pursue (2)
  • Rows
    • Section 1 - Underwriting Guidelines 
    • Section 2 - Policy Limits & Endorsements 
    • Section 3 - Recent Carrier Changes 

    • Underwritten by California Fair Plan (NAIC)
    • AM Best Rating
    • This is the Non-Standard Program.
    • Written on a Admitted Basis.
    • Direct Bill Basis.
    • Fair Plan Indication.
    • Verify Ivans Participation

  • Basic Underwriting:
    Homeowners Guidelines
    HO3 Product Comparison
    HO3 Specimen
    Product Highlights 

    •  
    •  
    •  

  • No DIC Policies are offered in CA at this time:

     

     

  • Reason for Declination or didn't pursue
  • Reason for Declination or didn't pursue (2)
  • Rows
    • Section 1 - Underwriting Guidelines 
    • Section 2 - Policy Limits & Endorsements 
    • Section 3 - Recent Carrier Changes 
    • Section 4 - Maple  

    • Hidden Carriers:


      • This is the Non-Standard Program.
      • Written on a Non-Admitted Basis.
      • Agency Bill Basis.

    • Basic Underwriting:
      Homeowners Guidelines
      HO3 Product Comparison
      HO3 Specimen
      Product Highlights

      • The TIV (Total Insured Value) for Coverage A+B+C+D cannot exceed 2.5 Million for a Full Policy.
      •  

    • No DIC Policies are offered in CA at this time:

    • Reason for Declination or didn't pursue
    • Reason for Declination or didn't pursue (2)
    • Rows

      • This is the Standard (Preferred Program).
      • Written on a Admitted Basis.
      • Direct Bill Basis.

    • Basic Underwriting: (New Bus Suspension)
      Homeowners Guidelines
      HO3 Product Comparison
      HO3 Specimen
      Product Highlights

      •  
      •  
      •   

    • No DIC Policies are offered in CA at this time:

    • Reason for Declination or didn't pursue
    • Reason for Declination or didn't pursue (2)
    • Rows

      • This is the Standard (Preferred Program).
      • Written on a Admitted Basis.
      • Direct Bill Basis.

    • Basic Underwriting: (New Bus Suspension)
      Homeowners Guidelines
      HO3 Product Comparison
      HO3 Specimen
      Product Highlights

      •  
      •  
      •  

       

    • Basic Underwriting for DIC: (New Bus Suspension)
      DIC Guidelines
      DIC Endorsement Acknowledgement Form

      • Maximum Coverage A Limit as a DIC is $2 million.
      • A copy of the Ca. Fair Plan declarations page is required.
      • Coverage A must be equal to or lower then the fair plan policy.
      • Coverage B should match the fair plan but this is a recommendation and not a requirement.
      • Coverage C must be equal to or lower then the fair plan policy.
    • Reason for Declination or didn't pursue
    • Reason for Declination or didn't pursue (2)
    • Rows

      • This is the Standard (Preferred Program).
      • Written on a Admitted Basis.
      • Direct Bill Basis.

    • Basic Underwriting: (New Bus Suspension)
      Homeowners Guidelines
      HO3 Product Comparison
      HO3 Specimen
      Product Highlights

      •  
      •  
      •  

    • Basic Underwriting for DIC: (New Bus Suspension)

      • Maximum Coverage A Limit as a DIC is $1.2 million.
      • A copy of the Ca. Fair Plan declarations page is not required.
      • None of the coverages have to match the fair plan policy.

       

    • Reason for Declination or didn't pursue
    • Reason for Declination or didn't pursue (2)
    • Rows

      • This is the Standard (Preferred Program).
      • Written on a Admitted Basis.
      • Direct Bill Basis.

    • Basic Underwriting: (New Bus Suspension 2-1-2024)
      Homeowners Guidelines
      HO3 Product Comparison
      HO3 Specimen
      Product Highlights

      •   
      •  
      •  

    • No DIC Policies are offered in CA at this time:

    • Reason for Declination or didn't pursue
    • Reason for Declination or didn't pursue (2)
    • Rows

      • This is the Standard (Preferred Program).
      • Written on a Admitted Basis.
      • Direct Bill Basis.

    • Basic Underwriting: (New Bus Suspension)
      Homeowners Guidelines
      HO3 Product Comparison
      HO3 Specimen
      Product Highlights

      •  
      •  
      •  

    • Basic Underwriting for DIC: (New Bus Suspension)

      • Maximum Coverage A Limit as a DIC is $1.5 million.
      • A copy of the Ca. Fair Plan declarations page is required.
      • Only coverage A (Dwelling Limit) have to match the fair plan policy.

       

    • Reason for Declination or didn't pursue
    • Reason for Declination or didn't pursue (2)
    • Rows

    • Sign In Now

    • Basic Underwriting for Primary Home HO3:
      HO3 Underwriting Guidelines
      Primary Home Specimen
      Product Comparison
      (Nevada)-Product Comparison
      CA Homeowners Eligibility
      Sub Limits Explained

      • Post and Pier Foundation - had to be enclosed, not over water, slope can't be over 30 degrees
      • Dog Breed
      • Coverage A over __ Mil with No Central Alarm
      • Property Titled in LLC, Corporation
      • Homes prior before
      • Slope over % / Homes built into hillside
      • None of the above

       

       

       

    • Basic Underwriting for DIC:
      DIC Product Guide
      DIC Specimen

      • The Maximum Coverage A (Dwelling Amount) in California is $1.5 million.
      • A copy of the Ca. Fair Plan declarations page is required.
      • Coverage A, B, & C must to match the fair plan policy.
    • Reason for Declination or didn't pursue*

    • Sign In Now

    • This risk has the following hazards*

    • HO3-Underwriting Guidelines
      Primary Home Specimen
      Equip. Breakdown Coverage
      Equipment Breakdown FAQ
      Adding Trust Form

       

       

       

    • Rows
      • The Maximum Coverage A (Dwelling Amount) in California is 3 million.
      • A copy of the Ca. Fair Plan declarations page is required.
      • None of the coverages have to match the fair plan policy.

       

    • DIC one Pager.2020

       

       

  • Rate Comparison Analysis (RCA):    

    Status Defintions:   

    Waiting =  Waiting Validation Review
    Submitted = Submitted to Carrier for Undewriting Approval
    Full = Approved for a Full Policy and Ready to Release to the Client 
    DIC = Approved for a DIC Policy and Ready to Release to the Client
    Dec. by Am = Risk was declined by Accunt Manager and did not pursue validation.
    Dec. by CPA = Risk was declined by the CPA rule and validation not pursued.
    NB Susp. = Since there is a new business suspension in place at this time, validation not pursued. 

  • Rows
  • Rows
  • Rows
  • Quote released with*
  • Client decided to Purchase
  • What carrier are we doing the BOR with*
  • Please choose the Reasons why we could NOT close the Sale*

  • STEP 6 - Prepare Application for Signatures:

    Field-2D

  • Note: We need to prepare the Mercury application along with any additional underwriing forms for signatures.

  • Show me

  • Determine if you need any of these additional underwriting forms. Note - You only need to to do this if the application did not automatically print with it.

  • HO3 Underwriting Guidelines
    Primary Home Specimen
    Product Comparison
    (Nevada)-Product Comparison
    CA Homeowners Eligibility
    Sub Limits Explained

     

     

     

  • Note: We need to prepare the Mapfre application along with any additional underwriing forms for signatures.

  • Show me

  • Determine if you need any of these additional underwriting forms. Note - You only need to to do this if the application did not automatically print with it.

  • HO3 Underwriting Guidelines
    Primary Home Specimen
    Product Comparison
    (Nevada)-Product Comparison
    CA Homeowners Eligibility
    Sub Limits Explained

     

     

     

  • Note: We need to prepare the Travelers application along with any additional underwriing forms for signatures.

  • Show me

  • Determine if you need any of these additional underwriting forms. Note - You only need to to do this if the application did not automatically print with it.

  • HO3 Underwriting Guidelines
    Primary Home Specimen
    Product Comparison
    (Nevada)-Product Comparison
    CA Homeowners Eligibility
    Sub Limits Explained

     

     

     

  • Note: We need to prepare the Foremost application along with any additional underwriing forms for signatures.

  • Show me

  • Determine if you need any of these additional underwriting forms. Note - You only need to to do this if the application did not automatically print with it.

  • HO3 Underwriting Guidelines
    Primary Home Specimen
    Product Comparison
    (Nevada)-Product Comparison
    CA Homeowners Eligibility
    Sub Limits Explained

     

     

     

  • Note: We need to prepare the Bamboo application along with any additional underwriing forms for signatures.

  • Show me

  • Determine if you need any of these additional underwriting forms. Note - You only need to to do this if the application did not automatically print with it.

  • HO3 Underwriting Guidelines
    Primary Home Specimen
    Product Comparison
    (Nevada)-Product Comparison
    CA Homeowners Eligibility
    Sub Limits Explained

     

     

     

  • Note: We need to prepare the Hartford application along with any additional underwriing forms for signatures.

  • Show me

  • Determine if you need any of these additional underwriting forms. Note - You only need to to do this if the application did not automatically print with it.

  • HO3 Underwriting Guidelines
    Primary Home Specimen
    Product Comparison
    (Nevada)-Product Comparison
    CA Homeowners Eligibility
    Sub Limits Explained

     

     

     

  • Note: We need to prepare the Stillwater application along with any additional underwriing forms for signatures.

  • Show me

  • Determine if you need any of these additional underwriting forms. Note - You only need to to do this if the application did not automatically print with it.

  • HO3 Underwriting Guidelines
    Primary Home Specimen
    Product Comparison
    (Nevada)-Product Comparison
    CA Homeowners Eligibility
    Sub Limits Explained

     

     

     

  • Note: We need to prepare the Cabrillo application along with any additional underwriing forms for signatures.

  • Show me

  • Determine if you need any of these additional underwriting forms. Note - You only need to to do this if the application did not automatically print with it.

  • HO3 Underwriting Guidelines
    Primary Home Specimen
    Product Comparison
    (Nevada)-Product Comparison
    CA Homeowners Eligibility
    Sub Limits Explained

     

     

     

  • Note: We need to prepare the First Cap (Preferred) application along with any additional underwriing forms for signatures.

  • Show me

  • Determine if you need any of these additional underwriting forms. Note - You only need to to do this if the application did not automatically print with it.

  • HO3 Underwriting Guidelines
    Primary Home Specimen
    Product Comparison
    (Nevada)-Product Comparison
    CA Homeowners Eligibility
    Sub Limits Explained

     

     

     

  • Note: We need to prepare the Aegis application along with any additional underwriing forms for signatures.

  • Show me

  • Determine if you need any of these additional underwriting forms. Note - You only need to to do this if the application did not automatically print with it.

  • HO3 Underwriting Guidelines
    Primary Home Specimen
    Product Comparison
    (Nevada)-Product Comparison
    CA Homeowners Eligibility
    Sub Limits Explained

     

     

     

  • Note: We need to prepare the A. Modern application along with any additional underwriing forms for signatures.

  • Show me

  • Determine if you need any of these additional underwriting forms. Note - You only need to to do this if the application did not automatically print with it.

  • HO3 Underwriting Guidelines
    Primary Home Specimen
    Product Comparison
    (Nevada)-Product Comparison
    CA Homeowners Eligibility
    Sub Limits Explained

     

     

     

  • Note: We need to prepare the Pacific Specialty application along with any additional underwriing forms for signatures.

  • Show me

  • Determine if you need any of these additional underwriting forms. Note - You only need to to do this if the application did not automatically print with it.

  • HO3 Underwriting Guidelines
    Primary Home Specimen
    Product Comparison
    (Nevada)-Product Comparison
    CA Homeowners Eligibility
    Sub Limits Explained

     

     

     

  • Note: We need to prepare the Sagesure application along with any additional underwriing forms for signatures.

  • Show me

  • Determine if you need any of these additional underwriting forms. Note - You only need to to do this if the application did not automatically print with it.

  • HO3 Underwriting Guidelines
    Primary Home Specimen
    Product Comparison
    (Nevada)-Product Comparison
    CA Homeowners Eligibility
    Sub Limits Explained

     

     

     

  • Note: We need to prepare the Delos application along with any additional underwriing forms for signatures.

  • Show me

  • Determine if you need any of these additional underwriting forms. Note - You only need to to do this if the application did not automatically print with it.

  • HO3 Underwriting Guidelines
    Primary Home Specimen
    Product Comparison
    (Nevada)-Product Comparison
    CA Homeowners Eligibility
    Sub Limits Explained

     

     

     

  • Note: We need to prepare the Aegis (E&S) application along with any additional underwriing forms for signatures.

  • Show me

  • Determine if you need any of these additional underwriting forms. Note - You only need to to do this if the application did not automatically print with it.

  • HO3 Underwriting Guidelines
    Primary Home Specimen
    Product Comparison
    (Nevada)-Product Comparison
    CA Homeowners Eligibility
    Sub Limits Explained

     

     

     

  • Note: We need to prepare the Bamboo (E&S) application along with any additional underwriing forms for signatures.

  • Show me

  • Determine if you need any of these additional underwriting forms. Note - You only need to to do this if the application did not automatically print with it.

  • HO3 Underwriting Guidelines
    Primary Home Specimen
    Product Comparison
    (Nevada)-Product Comparison
    CA Homeowners Eligibility
    Sub Limits Explained

     

     

     

  • Note: We need to prepare the KW Specialty application along with any additional underwriing forms for signatures.

  • Show me

  • Determine if you need any of these additional underwriting forms. Note - You only need to to do this if the application did not automatically print with it.

  • HO3 Underwriting Guidelines
    Primary Home Specimen
    Product Comparison
    (Nevada)-Product Comparison
    CA Homeowners Eligibility
    Sub Limits Explained

     

     

     

  • Note: We need to prepare the Bridge Specialty application along with any additional underwriing forms for signatures.

  • Show me

  • Determine if you need any of these additional underwriting forms. Note - You only need to to do this if the application did not automatically print with it.

  • HO3 Underwriting Guidelines
    Primary Home Specimen
    Product Comparison
    (Nevada)-Product Comparison
    CA Homeowners Eligibility
    Sub Limits Explained

     

     

     

  • Note: We need to prepare the Swyfft application along with any additional underwriing forms for signatures.

  • Show me

  • Determine if you need any of these additional underwriting forms. Note - You only need to to do this if the application did not automatically print with it.

  • HO3 Underwriting Guidelines
    Primary Home Specimen
    Product Comparison
    (Nevada)-Product Comparison
    CA Homeowners Eligibility
    Sub Limits Explained

     

     

     

  • Note: We need to prepare the Fair Plan application along with any additional underwriing forms for signatures.

  • Show me

  • Determine if you need any of these additional underwriting forms. Note - You only need to to do this if the application did not automatically print with it.

  • HO3 Underwriting Guidelines
    Primary Home Specimen
    Product Comparison
    (Nevada)-Product Comparison
    CA Homeowners Eligibility
    Sub Limits Explained

     

     

     

  • Note: We need to prepare the Safeco application along with any additional underwriing forms for signatures.

  • Show me

  • Determine if you need any of these additional underwriting forms. Note - You only need to to do this if the application did not automatically print with it.

  • HO3 Underwriting Guidelines
    Primary Home Specimen
    Product Comparison
    (Nevada)-Product Comparison
    CA Homeowners Eligibility
    Sub Limits Explained

     

     

     

  • Note: We need to prepare the Nationwide application along with any additional underwriing forms for signatures.

  • Show me

  • Determine if you need any of these additional underwriting forms. Note - You only need to to do this if the application did not automatically print with it.

  • HO3 Underwriting Guidelines
    Primary Home Specimen
    Product Comparison
    (Nevada)-Product Comparison
    CA Homeowners Eligibility
    Sub Limits Explained

     

     

     

  • Note: We need to prepare the Orion 180 application along with any additional underwriing forms for signatures.

  • Show me

  • Determine if you need any of these additional underwriting forms. Note - You only need to to do this if the application did not automatically print with it.

  • HO3 Underwriting Guidelines
    Primary Home Specimen
    Product Comparison
    (Nevada)-Product Comparison
    CA Homeowners Eligibility
    Sub Limits Explained

     

     

     

  • Note: We need to prepare the Aspera application along with any additional underwriing forms for signatures.

  • Show me

  • Determine if you need any of these additional underwriting forms. Note - You only need to to do this if the application did not automatically print with it.

  • HO3 Underwriting Guidelines
    Primary Home Specimen
    Product Comparison
    (Nevada)-Product Comparison
    CA Homeowners Eligibility
    Sub Limits Explained

     

     

     

  • Note: We need to prepare the Heritage application along with any additional underwriing forms for signatures.

  • Show me

  • Determine if you need any of these additional underwriting forms. Note - You only need to to do this if the application did not automatically print with it.

  • HO3 Underwriting Guidelines
    Primary Home Specimen
    Product Comparison
    (Nevada)-Product Comparison
    CA Homeowners Eligibility
    Sub Limits Explained

     

     

     

  • STEP 7 - Bind the Policy:

    Field-2D

  • Note: We need to Bind the Mercury Policy.

  • Show me

  • Note: We need to Bind the Mapfre Policy.

  • Show me

  • Note: We need to Bind the Travelers Policy.

  • Show me

  • Note: We need to Bind the Foremost Policy.

  • Show me

  • Note: We need to Bind the Bamboo Policy.

  • Show me

  • Note: We need to Bind the Hartford Policy.

  • Show me

  • Note: We need to Bind the Stillwater Policy.

  • Show me

  • Note: We need to Bind the Cabrillo Policy.

  • Show me

  • Note: We need to Bind the First Cap (Preferred) Policy.

  • Show me

  • Note: We need to Bind the Aegis Policy.

  • Show me

  • Note: We need to Bind the A. Modern Policy.

  • Show me

  • Note: We need to Bind the Pacific Specialty Policy.

  • Show me

  • Note: We need to Bind the Sagesure Policy.

  • Show me

  • Note: We need to Bind the Delos Policy.

  • Show me

  • Note: We need to Bind the Aegis (E&S) Policy.

  • Show me

  • Note: We need to Bind the Bamboo (E&S) Policy.

  • Show me

  • Note: We need to Bind the KW Specialty Policy.

  • Show me

  • Note: We need to Bind the Bridge Specialty Policy.

  • Show me

  • Note: We need to Bind the Swyfft Policy.

  • Show me

  • Note: We need to Bind the Fair Plan Policy.

  • Show me

  • Note: We need to Bind the Safeco Policy.

  • Show me

  • Note: We need to Bind the Nationwide Policy.

  • Show me

  • Note: We need to Bind the Orion 180 Policy.

  • Show me

  • Note: We need to Bind the Aspera Policy.

  • Show me

  • Note: We need to Bind the Heritage Policy.

  • Show me

  • Now that you have Bound the Policy, its time to complete the Point of Sale. Hit Submit

  • STEP 6 - Process a BOR:

    (What is a BOR or AOR)

  • Note: We need to send a Mercury BOR to the client for signing.

  • Show me

  • Basic Underwriting for Mercury BOR

    -California Auto does not allow BOR in California.
    The policy must be written with a new business application
    as to move to another agency.

  • Note: We need to send a Mapfre BOR to the client for signing.

  • Show me

  • Basic Underwriting for Mapfre BOR

    -

    -

    -

  • Note: We need to send a Travelers BOR to the client for signing.

  • Show me

  • Basic Underwriting for Travelers BOR

    -Travelers requires at least 30 days prior to renewal for the policy to be successfully
    transferred to the new agency code. Otherwise the BOR may not be processed in time for the renewal and will be effective the following next year/term.

  • Note: We need to send a Foremost BOR to the client for signing.

  • Show me

  • Basic Underwriting for Foremost BOR

    -Foremost Specialty requires at least 30 days prior to renewal for the policy to be successfully transferred to the new agency code. Otherwise the BOR may not be processed in time for the renewal and will be effective the following next year/term.

  • Note: We need to send a Bamboo BOR to the client for signing.

  • Show me

  • Basic Underwriting for Bamboo BOR

    -

    -

    -

  • Note: We need to send a Hartford BOR to the client for signing.

  • Show me

  • Basic Underwriting for Hartford BOR

    -Hartford requires at least 20 days prior to renewal for the policy to be successfully
    transferred to the new agency code. Otherwise the BOR may not be processed in time for the renewal and will be effective the following next year/term.

  • Note: We need to send a Stillwater BOR to the client for signing.

  • Show me

  • Basic Underwriting for Stillwater BOR

    -

    -

    -

  • Note: We need to send a Cabrillo BOR to the client for signing.

  • Show me

  • Basic Underwriting for Cabrillo BOR

    -

    -

    -

  • Note: We need to send a First Cap (Preferred) BOR to the client for signing.

  • Show me

  • Basic Underwriting for First Cap BOR

    -

    -

    -

  • Note: We need to send an Aegis BOR to the client for signing.

  • Show me

  • Basic Underwriting for Aegis BOR

    -Aegis requires at least 15 days prior to renewal for the policy to be successfully
    transferred to the new agency code. Otherwise the BOR may not be processed in time for the renewal and will be effective the following next year/term.

  • Note: We need to send an A. Modern BOR to the client for signing.

  • Show me

  • Basic Underwriting for A. Modern BOR

    -American Modern does not allow BOR in California.
    The policy must be written with a new business application
    as to move to another agency.

  • Note: We need to send a Pacific Specialty BOR to the client for signing.

  • Show me

  • Basic Underwriting for Pacific Specialty BOR

    -

    -

    -

  • Note: We need to send a Sagesure BOR to the client for signing.

  • Show me

  • Basic Underwriting for Sagesure BOR

    -

    -

    -

  • Note: We need to send a Delos BOR to the client for signing.

  • Show me

  • Basic Underwriting for Delos BOR

    -

    -

    -

  • Note: We need to send a Aegis (E&S) BOR to the client for signing.

  • Show me

  • Basic Underwriting for Aegis (E&S) BOR

    -

    -

    -

  • Note: We need to send a Bamboo (E&S) BOR to the client for signing.

  • Show me

  • Basic Underwriting for Bamboo (E&S) BOR

    -

    -

    -

  • Note: We need to send a KW Specialty BOR to the client for signing.

  • Show me

  • Basic Underwriting for KW Specialty BOR

    -

    -

    -

  • Note: We need to send a Bridge Specialty BOR to the client for signing.

  • Show me

  • Basic Underwriting for Bridge Specialty BOR

    -

    -

    -

  • Note: We need to send a Swyfft BOR to the client for signing.

  • Show me

  • Basic Underwriting for Swyfft BOR

    -

    -

    -

  • Note: We need to send a Fair Plan BOR to the client for signing.

  • Show me

  • Basic Underwriting for Fair Plan BOR

    -

    -

    -

  • Note: We need to send a Safeco BOR to the client for signing.

  • Show me

  • Basic Underwriting for Safeco BOR

    -Safeco requires at least 15 days prior to renewal for the policy to be successfully
    transferred to the new agency code. Otherwise the BOR may not be processed in time for the renewal and will be effective the following next year/term.

  • Note: We need to send a Nationwide BOR to the client for signing.

  • Show me

  • Basic Underwriting for Nationwide BOR

    -Nationwide requires at least 30 days prior to renewal for the policy to be successfully
    transferred to the new agency code. Otherwise the BOR may not be processed in time for the renewal and will be effective the following next year/term.

  • Note: We need to send a Orion 180 BOR to the client for signing.

  • Show me

  • Basic Underwriting for Orion 180 BOR

    -Nationwide requires at least 30 days prior to renewal for the policy to be successfully
    transferred to the new agency code. Otherwise the BOR may not be processed in time for the renewal and will be effective the following next year/term.

  • Note: We need to send a Aspera BOR to the client for signing.

  • Show me

  • Basic Underwriting for Aspera BOR

    -

  • Note: We need to send a Heritage BOR to the client for signing.

  • Show me

  • Basic Underwriting for Heritage BOR

    -

  • Note: Make sure to upload all your quote files here instead of saving in ezlynx client file direclty. After you hit submit then you get the pdf copy of this CPA  which will be saved in ezlynx anyway. This is a more organized way of saving files related to quoting / marketing a risk and is much easier to review on future Renewals.  

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