ADJUST FONT SIZE: . . RESET

Why PTI?

  • No age limit
    • We have no age limit on dwellings
  • Distance to coast
    • We don’t have a restriction on distance to the coast
  • We accept trampolines, diving boards, slides
    • We exclude liability for losses by pool slides, diving boards or trampolines
  • Burglar bars are acceptable
    • We accept burglar bars with/without a release latch
  • Max acreage
    • We have no maximum acreage amount
  • Protection class 1-10 are accepted
    • Acceptable; gates, guards, and alarm systems are not required
  • Roof age
    • 15 yrs for flat roofs
    • 15 yrs shingle roofs
    • 25 yrs tile/metal roofs

    NOTE: Roof ages are verified with a final roof permit

  • Polybutylene branch plumbing accepted
    • Acceptable with Water Damage Exclusion on HO3; Limited Water Endorsement not permitted on HO3
    • Acceptable as Basic Choice
  •  Galvanized branch plumbing accepted
    • Acceptable with Water Damage Exclusion with the optional Limited Water Buy Back Endorsement on HO3
    • Acceptable as Basic Choice
  •  PEX plumbing is accepted
    • Acceptable regardless of age
  •  Water heater age limit
    • 15 years and newer inside the home; garage/non-living space no age requirement; condition subject to underwriting review
  •  Water Buy Back
    • 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
  •  All electrical panels are accepted
    • Risks with single strand aluminum wiring, knob and tube wiring, fuse panels, and cloth wiring are subject to underwriting review
  •  Wind mitigation
    • 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
  • FBC credit
    • Can be applied with a final permit that reflects the roof has been fully replaced after 3/1/2002
  • Opening protection
    • We accept A.1, A.2, A.3 as Class A and B.1, B.2, B.3 as Class B
  • No 4-point/roof certificate inspection requirement
    • 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
  • We insure solar panels by endorsement
    • 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 accept all dog breeds
    • We exclude animal liability
    • Dogs with a bite history are prohibited
  • Farm animals are acceptable
    • As long as the farm animal is for personal use and there is no revenue generated
    • We exclude animal liability
  • We offer pay plan options
    • 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)
  • Simplified claims process with RRT
    • We don’t subcontract which means RRT will be deployed immediately to prevent further damage
    • All work comes with a 3-year workmanship guarantee
  • Online chat directly with an Underwriter
    • Save time waiting on hold — chat with UW directly at https://pti.chat
  • Discounts

      • Paperless: $26.00 for HO-3; $13.00 for BC
      • Preferred Contractor: 5%
      • Military (Active and Retired): 5% (HO-3 only)
      • Homeowners 55 and over: 5% (HO-3 only)
      • Secured Community: 5% (HO-3 only; does not apply to Secondary/Seasonal properties)

     

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