Are you having a hard time placing a homeowner’s policy? Do the standard markets not want to write the account due to underwriting circumstances?
Let SWG help you. We have three NEW and IMPROVED programs under which we can consider a Substandard Homeowner’s risk.
- Home Protect 1 – Standard Form: Named Perils on Dwelling & Personal Property (ACV)
- Home Protect 2 – Broad Form: Broad Form on Dwelling ; Named Perils on Contents (R/C)
- Home Protect 3 – Comprehensive Form: Broad Form – Dwelling & Personal Property (R/C)
- Secondary Residence: Named Perils Form (ACV)
- Seasonal Residence: Named Perils Form (ACV)
Scheduled Articles Cover is available (except for seasonal/secondary residence risks)
SWG Will Consider:
- Properties with up to 2 mortgages
- Up to 200 acres provided there is no farming or commercial activities, eg. Bush
- Multiple locations on one policy (this includes rented dwellings, provided we are also covering the insured’s principal residence)
- Risks under minor renovations – provided completion date is no longer than three months from date of inception
- Up to four boarders living with owner
- Two family occupancies
- Duplex situation – partial tenant occupancy
- Snowbird situations provided residence is being cared for on a regular basis while insureds are absent
- 60 amp service, with an electrician’s letter
- Knob & Tube, with an electrician’s letter up to 25% – if more must be removed within 60 days.
- Galvanized plumbing
- Risks on an island, provided the risk has no claims
- Combination wood furnace and outdoor wood furnaces, or woodstoves as primary heat
- Home business’ provided there is adequate commercial coverage ie: CGL
- If risk is registered under a company name, for tax purposes only.
- Risks cancelled for non-payment
- Applicants with no prior insurance experience
To submit your application, visit the product page on our website by clicking here. You may also contact Amie Vandevenne by calling 1-800-668-4275, extension 1268.
