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Our Homeowners Insurance Market Specializes in: ...et is a 24-hour turnaround on most homeowners quotes, and many requests receiv...

RISCO offers binding authority Homeowners Insurance solutions tailored for ha...ccounts are a good fit for RISCO’s Homeowners Insurance program?This program i...

Program Highlights for Homeowner Insurance: Colonial General Insurance Agency, Inc. offers a flexible and comprehensive Homeowner Insurance program designed to meet the needs of your clients across various residential risk types. Whether you're working with a first-time buyer, a seasoned property owner, or a client purchasing a secondary home, our program provides competitive solutions to help you place and retain business with confidence. Ideal Accounts and Appetite This program is built to accommodate a wide variety of residential risks, including: One- and two-family owner-occupied homes Secondary or seasonal residences Rental properties Condominium unit owners Tenants needing renters insurance We are especially strong in placing risks that may be declined by standard markets, such as: Homes with prior losses or lapses in coverage New purchases or properties in distressed areas Applicants with no prior insurance Lower-value homes in good condition Higher-value dwellings seeking tailored coverage If you're struggling to place hard-to-insure homeowner risks, we have options to help you close the deal. Coverage Highlights and Advantages Our homeowner program utilizes ISO forms and includes the following options: HO-3, HO-4, HO-6, and HO-8. Standard automatic coverages include: Personal Property Comprehensive Personal Liability Medical Payments Other Structures Loss of Use We also offer enhanced endorsements and optional coverages such as: Extended Replacement Cost Water Back-Up and Sump Overflow Identity Fraud Expense Builder’s Risk/Course of Construction Extended Liability for rental or secondary properties Loss Assessment Personal Injury In-Home Business (available in select states) Underwriting Notes and Market Access Colonial General works with a range of carriers to provide market flexibility. We specialize in both standard and non-standard homeowner risks and can assist with coverage placements that may be declined elsewhere. Some admitted markets are available depending on the risk and state. Underwriting is responsive and solutions-oriented, with a focus on helping agents secure coverage for challenging accounts. Territories and Availability This homeowner insurance program is available in the following states: Arizona California Colorado Idaho Nevada New Mexico Utah Wyoming Program availability, forms, and coverages may vary by state. Why Work with Colonial General? As a managing general agency and excess & surplus lines broker, Colonial General brings deep knowledge of residential risk markets and underwriting flexibility. Whether you're looking to place a straightforward HO-3 or need help with a home that has prior claims, we provide tools and carrier access to help you succeed. Our team is experienced in navigating tough-to-place risks, offering agents a reliable partner in securing homeowner coverage for a wide spectrum of clients. Frequently Asked Questions What types of homeowner risks does this program accept?The program accepts owner-occupied homes, secondary residences, rental properties, condos, and renters. It also accommodates risks with prior losses, no prior coverage, or homes in distressed markets. Are admitted markets available through this program?Yes, some admitted markets are available depending on the state and specific risk. Colonial General also offers access to non-admitted options for harder-to-place risks. Can I submit homes with prior claims or no prior insurance?Yes. This program is designed to help agents place risks that have been declined elsewhere, including homes with prior losses or no prior insurance history. Which ISO coverage forms are available?Colonial General offers HO-3, HO-4, HO-6, and HO-8 forms, providing flexibility to suit various residential exposures. In which states is this program available?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

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