
- We do not use credit in our rating, nor we do not run any reports.
- No background, credit, or loss history reports.
- We offer guaranteed HO4 coverage for up to $95K of contents and $300K of liability.
- We write policies at Replacement Cost, not ACV
- We offer coverage to protect the insured’s property if a water backup loss occurs in their own unit.
- We accept all dog breeds—no breed restrictions.
- We are open in all states with ZERO zip code or territory restrictions
- We will offer coverage for renters in:
- apartments
- Single-family homes
- mobile homes
- A room in a house (great for students or seniors)