Desert Specialty Underwriters, Inc.
Desert Specialty Adjusters, Inc.

HOMEOWNERS PROGRAM

    The Homeowners Program is written exclusively through the Underwriters at Lloyds (A-XV).

    The program is designed for owner occupied, primary residences.  Coverage is written on a modified, ISO HO-3 (8/89) homeowners coverage form.  We do endorse some coverage limitations which are in the form of endorsements signed by the insured and made a part of the application.  These are:

Roof Limitation - Losses arising out of the perils of Wind and Hail are settled on an Actual Cash Value Basis.

Absolute Animal Exclusion (Liability)

Limitation of Certain Property Coverages - certain addition coverages are included in the limit.

Windstorm and Hail Limitation - Excludes interior damage to the dwelling unless it results from exterior damage.

Firearms Exclusion

    Deductibles:

$500 all perils for values up to and including $150,000
$1,000 Wind and Hail, $500 all other perils on values above $150,000

    MAXIMUM DWELLING VALUE UNDER THIS PROGRAM IS $300,000 (excess of $300,000, please submit for pricing), minimum dwelling amount is $20,000.

    Personal Articles (fine arts, jewelry, guns, etc.) can be scheduled up to $10,000.  Schedules in excess of this amount can be written on a separate policy.

    Certain exposures will result in surcharges to the standard rate such as swimming pools, shake roofs, fuses instead of circuit breakers and wood stoves.  We will also apply other limitations or exclusions depending upon the past experience and condition of the risk.

    We will consider older homes, protection classes 8, 9 and 10, alternative constructions, credit and loss experience problems, cancellations and no prior insurance situations under this program.  We will also consider locations with commercial or home businesses on the same premises.

    Producers may quote premiums, but no binding authorities are extended.  Binders are normally forwarded within 24 hours of receipt of an acceptable application.

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