• We have no age limit on dwellings

• We don’t have a restriction on distance to the coast

• We exclude liability for losses by pool slides, diving boards or trampolines

• We accept burglar bars with/without a release latch

• We have no maximum acreage amount

• Acceptable; gates, guards, and alarm systems are not required

• 15 yrs for flat roofs
• 15 yrs shingle roofs
• 25 yrs tile/metal roofs

NOTE: Roof ages are verified with a final roof permit

• Acceptable with Water Damage Exclusion on HO3; Limited Water Endorsement not permitted on HO3
• Acceptable as Basic Choice

• Acceptable with Water Damage Exclusion with the optional Limited Water Buy Back Endorsement on HO3
• Acceptable as Basic Choice

• Acceptable regardless of age

• 15 years and newer inside the home; garage/non-living space no age requirement; condition subject to underwriting review

• We offer Water Buy Back coverage on HO3 policies for homes that are over 40 years old with a max of $10,000 of coverage for an additional premium for water damage losses

• Risks with single strand aluminum wiring, knob and tube wiring, fuse panels, and cloth wiring are subject to underwriting review

• For wind mitigation credits, the OIR- B1-1802 (Rev. 01/12) form must be used
• No restrictions on inspection date
• Not required to be in insured‘s name

• Can be applied with a final permit that reflects the roof has been fully replaced after 3/1/2002

• We accept A.1, A.2, A.3 as Class A and B.1, B.2, B.3 as Class B

• We conduct our own home inspection at no cost to the insured
• We don’t require our home inspection on homes 5 years or newer
• Our home inspection may be waived by submitting the pre-purchase property inspection

• With the Optional Solar Panel(s) and Solar Water Heating System(s) Coverage endorsement, you can add coverage in $1,000 increments, up to $50,000

• We exclude animal liability
• Dogs with a bite history are prohibited

• As long as the farm animal is for personal use and there is no revenue generated
• We exclude animal liability

• We accept all credit cards or ACH draft
• Note: $10 one time set up fee and $3 installment fee for each installment
• Payment plans include:
  • Full pay
  • 2 pay
  • 4 pay
  • 9 pay (EFT through a checking account)

• We don’t subcontract which means RRT will be deployed immediately to prevent further damage
• All work comes with a 3-year workmanship guarantee

• Save time waiting on hold — chat with UW directly at https://pti.chat

NOTE: Maximum combined discount of 10% for 55+, Secured Community and Military Discounts