HOMEOWNER GUIDELINES
EXPOSURE	PREFERRED TIER	STANDARD TIER
	NEW YORK STATE	NEW YORK STATE
	THE ROCKAWAY PENINSULA: More than 3	THE ROCKAWAY PENINSULA AND THE
	miles from the high water mark of any ocean or	SOUTH SHORE OF NASSAU AND SUFFOLK
Eligible Locations	tital bay.	COUNTIES: More than 3 miles from high water mark
		of any ocean or tidal bay.
	REMAINDER OF THE STATE: More Than
	2,000 ft from high water mark of any ocean or bay	REMAINDER OF THE STATE: More Than 1000 ft
		from high water mark of any ocean or bay.
Age	1940 or newer	1920 or newer
Updates	*    Heating/plumbing/roof/electrical systems updated in the last 20 years. Update form signed by the insured.
Maintenance	*    Sidewalks and remainder of dwelling must be maintained and in good repair.
Forms	HO2, HO3, HO4 and HO6	HO2, HO3, HO4 and HO6
	Dwelling (HO3)	Dwelling (HO2/3)
	*     Minimum: $150K	*     Minimum: $150K
	*     Maximum: $750K	*     Maximum: $750K
Coverage Minimums
	Contents (HO4/6)	Contents (HO4/6)
	*     Minimum: $25K	*     Minimum: $15K
	*     Maximum: $400K	*     Maximum: $400K
Available All-Peril Deductibles	$250, $500, $1000 and $2500
Eligible Protection Classes	NYC or PC 1 - 8 only
		NEW YORK AND BRONX COUNTIES:
	NEW YORK AND BRONX COUNTIES:	*    2% Hurricane deductible mandatory for these
CAT Deductible (see "Eligible Locations" above for further restrictions)		counties.
	*    2% Hurricane deductible mandatory for these	*    $1000 wind or all-peril deductible mandatory if within
	counties.	3 miles of coasts for qualifying risks.
	*    $1000 wind or all-peril deductible mandatory if within
	3 miles of coasts for qualifying risks.	KINGS, QUEENS, RICHMOND, NASSAU AND SUFFOLK COUNTIES:
	KING, QUEENS, AND RICHMOND COUNTIES:
	*    5% Hurricane deductible with 1 mile of coast.	*    5% Hurricane deductible within 1 mile of coast.
	*    2 % hurricane deductible for the rest of these	*    2 % Hurricane deductible for the rest of these
	counties.	counties.
	*    $1000 wind or all-peril deductible mandatory if within	*    $1000 wind or all-peril deductible mandatory if within
	3 miles of coast for qualifying risk.	3 miles of coast for qualifying risk.
	REMAINDER OF THE STATE: no mandatory	REMAINDER OF THE STATE: no mandatory
	hurricane or wind deductibles.	hurricane or wind deductibles.
HOMEOWNER GUIDELINES
EXPOSURE	PREFERRED TIER	STANDARD TIER
Insurance-To-Value	100% REPLACEMENT COST
Loss History	No Claims in Last 3 Years	One property claim less than $10,000 in last 3 years. No liability claims in the last three years.
Occupancy	1 to 4 family primary residence
Lapse Criteria	Applicants must have no more than a 30 day lapse in coverage.	Applicants with a lapse over 30 days must be submit risks for prior approval.
Mortgage Payments	Applicants must have no mortgage payments more than 30 days late in the past 12 months.	Applicants who have been over 30 days late on mortgage payments in the past 12 months must submit risk for prior approval.
	*  Any business conducted on the premises.
	*  Mobile homes or trailers.
	*  Modular homes not on a permanent foundation
	*  Animals that could be considered to have aggressive or vicious traits
	*  Kerosene heaters
	*  Wood Burning stoves, unless professionally installed and conform to applicable building and
	fire codes
	*  Dwellings built on "stilts"
	*  Dwellings that are located within 2,500 feet of the high water mark of any ocean or bay.
	*  Pools must be fenced with a fence of at least 4 feet. The fence must have a gate that has a
	self-closing and latching mechanism.
Unacceptable Exposures	*  Vacant or unoccupied dwellings.
	*  Owner in the "public eye" due to unusual occupation.
	*  Unemployed, other than retired.
	*  Any risk involving contributing insurance.
	*  The applicant does not exhibit fiscal responsibility regarding their credit and bill paying history
	*  Any dwelling previously insured through the fair plan. These risks must be pre-inspected prior
	to binding.
	* Frame row dwellings except for Richmond County. ( Staten Island )
	*  Dwellings under construction or being renovated.
	*  Dwellings with fuses, aluminum wiring or Knob and tube wiring.
	*  Dwellings located in a hazardous area. (Within 300 feet from a gas station, propane tanks Etc.)
	*  Named insured is an entity other than an individual(s)
	*  Secondary or seasonal residences.
	*  No scheduled personal property will be written under this program.
PLEASE CONTACT YOUR UNDERWRITER SHOULD YOU HAVE ANY QUESTIONS OR REQUIRE FURTHER CLARIFICATION.