SUPERIOR
PERSONAL LINES PROGRAMS
METCOM EXCESS
has the broadest, most competitive personal lines programs in the
wholesale community. Please read the following descriptions for the
program that fits your risk. These programs are placed with “A” rated or
“A+” rated carriers.
1.
The preferred homeowners program:
This program is for homes that meet all the
underwriting criteria for the preferred home, mostly for newer homes, and
truly updated risks. Values up to $4,000,000 are considered. The program
is for 1 & 2 family owner occupied homes and features HO1, 2 and 3 forms.
2.
The standard homeowners program:
This program is for older homes that do not qualify
for the preferred policy due to location, age or due to being part of a
row of attached homes. One loss will qualify for this program. Risks
with 1 – 4 families, owner occupied homes, HO1, 2 and 3 forms are
available.
3.
The standard plus homeowners program:
This program is for homes that do not qualify for the
above programs but are still insurable homes. Shore homes and older inner
city homes fit this highly competitive program. Up to 3 losses can
qualify. This program is available for 1 – 4 family, owner occupied
homes. Maximum values of $500,000.
4.
The Metcom excess tenant occupied dwelling program:
This program follows the same rules as program 3 but
will have separate fire and liability policies.
5.
Personal articles coverage:
Coverage may be written as part of any of the
homeowners programs. Jewelry, furs, collections and fine arts may all be
covered as part of the policy.
6.
Personal umbrella:
Coverage may be purchased with limits up to
$5,000,000 with programs 1 & 2.
