Not every Homeowners Risk falls neatly into place . . . that's why South & Western offers two great "A.M. Best Rated A+" programs for all your specialty homeowners needs. Homes are as different as people . . . we all don't have 2.5 children and not all homes have 2.5 bathrooms! Agents need the flexibility to address homes valued less than $100,000 and those valued over $1,000,000. In addition, just because a customer has had a claim or two, shouldn't determine if he can get coverage at all! That's why South & Western offers three programs to handle all of your "Specialty Homeowner" needs. |
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| American Modern |
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Lexington |
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Lloyds |
| A.M. Best Rated "A+ VIII" |
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A.M. Best Rated "A++ XV" |
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A.M. Best Rated "A XV" |
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| Values from $75,000 - $300,000 |
| Quote and Submit On-Line |
| Direct Bill |
| HO-B Form (Modified) |
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| Values *$250,000 and up (no limit) - * Varies by County |
| Wind Written in 1st Tier |
| HO-3 Form (Modified) |
| Fast Quotes - We quote and issue Lexington policies in our office. |
| Condos, Umbrellas and Floaters also available. |
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| Values from $50,000 to $750,000. |
| PPC's 9's & 10's |
| Replacement Cost available |
| Agency Billed |
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| Click Here for American Modern Details |
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Click Here for Lexington Details |
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Click Here for Lloyds Details |
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| American Modern - HO-B Program |
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| Need a home for tough to place Homeowners? |
| South & Western has the answer with American Modern Insurance Group's HO-B program! |
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| Just because someone files a claim or two or has a ding on their credit rating, shouldn't disqualify them for homeowners coverage. That's why South & Western and American Modern have teamed up to provide you with affordable coverage for those customers that have run into a little bad luck. |
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| We've also added some key enhancements to the program: |
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| Competitive Rates |
| Up to 4 Claims |
| HO101 Replacement Cost on Contents Available at 40% of Dwelling Limit |
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| Good Credit Discount |
| New Home Discount |
| Direct Bill |
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| And you can quote and submit a risk through modernLINK, our on-line quote and issuance system. |
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| Lexington - High Value Homeowners |
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| When it comes to High Values, South & Western has the answer with "LexElite," our high value homeowners program. |
| From a minimum of $250,000 with No Maximum Limit, customers with expensive homes are no longer a problem. And when it comes to unique risk characteristics, LexElite is up to the challenge! |
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| 1st Tier Wind (Wind exclusion optional) |
| Quotes within 24 hours (in most cases) |
| Homes with EIFS exteriors |
| Up to 4 claims (risks with more than 4 claims can be considered) |
| Customized Older Homes (Risks built prior to 1920 can be considered) |
| Rental Risks written on HO-3 Form |
| No set minimum limits on contents - Replacement cost available on any purchased limit |
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| In addition, LexElite can handle many of your other High Value needs including Condos, Personal Umbrella, Personal Articles Floater, Builder's Risk, Rental, Seasonal, Tenant and Vacant Coverages. |
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| Lloyds of London - HO-B Program |
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| Lloyds designed specifically to address homes located in P.P.C's 9's and 10's. |
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Just because someone lives in the country shouldn't disqualify them for homeowners coverage. That's why South & Western can provide you with affordable coverage for those customers that love the country life. |
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| We've also added some key enhancements to the program: |
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| Discounts for Referrals, Age of Home and Claim Free Risks. |
Values from $50,000 to $750,000. |
| HO101 Replacement Cost on Contents Available at 60% of Dwelling Limit. |
Agency Billed - Premium Financing Available from South & Western Premium Finance. |
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