Homeowners
Wipe your feet on the competition with this program designed for primary or secondary owner-occupied one or two family dwellings, condominiums and townhouses with values up to $1,000,000.
About Our Agency
Founded in 1984, CIU is comprised of an experienced team of insurance professionals to produce, underwrite and broker Excess and Surplus Lines Property and Casualty, Personal Lines, Professional Lines and Garage/Auto Insurance.
Coverages Available
- Homeowner Special Form HO-3
- Homeowner Modified Coverage Form HO-8
- Homeowner Unit-Owners (Condo) Form HO-6
- Homeowner Contents (Renters) Broad Form HO-4
- Extended replacement cost up to 125%
- Identity Fraud Expense-$15,000 in coverage
- Water Back-up and Sump Discharge or Overflow up to $25,000
Coverage Options
- Replacement Cost Coverage (Dwelling & Personal Property)
- Extended Liability for other owned properties
- In home business supplemental coverage(limited exposures)
- Inland Marine supplemental coverage (cameras, guns, fine arts, furs, jewelry, silver, musical instruments)
Guidelines
(Additional state specific guidelines may apply)
- Insurance to value is required to be 100% of ACV or Replacement Cost, whichever applies
- A complete, signed application is necessary to bind coverage
- Photos required on all accounts
- Inspections required on most accounts
Effective Date: 06/27/2007