Coverage and Enhancements

Complete and flexible coverage options, including limits by line of coverage, ensure the best pricing and enhancements for each customer.

Product highlights:

  • Admitted product on A-rated paper
  • Deductibles include options as low as 2% up to 25%, and percent deductibles apply separately by line of coverage
  • Enhanced coverage is available for personal valuables and pools in our comprehensive plus policy
  • Refined pricing models and inspections to confirm data make coverage more affordable
  • Contents and loss of use coverage is superior to popular mini policies
  • Claims are managed by our dedicated sister company, Boulder Claims
  • Exceptional service and support are available to brokers and homeowners
Coverage Type Standard Comprehensive Protection Comprehensive Plus Protection
A: Dwelling $70,000 to $5,000,000 $70,000 to $5,000,000 $70,000 to $5,000,000
B: Other Structures No Coverage
  • Up to 10% of the Coverage A limit
  • Includes sublimits and exclusions for some types of appurtenant structures
  • Up to 10% of the Coverage A limit
  • Coverage for swimming pools is increased to $25K
  • Includes sublimits for some types of appurtenant structures
C: Personal Property $5,000 Up to 50% of the Coverage A limit Up to 50% of the Coverage A limit
D: Loss of Use $1,500 Up to 20% of Coverage A limit, maximum of $25,000 Up to 20% of Coverage A limit, maximum of $250,000

ICAT Earthquake Homeowner carriers:

  • Pacific Specialty Insurance Company, rated A (Excellent) by A.M. Best
  • Harco National Insurance Company, rated A- (Excellent) by A.M. Best

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