New! Program for Higher Value Secondary/Seasonal Homes

Standard Company!

We’re pleased to announce the introduction of a new program for unsupported Secondary/Seasonal residences located in Barnstable County!

For owner-occupied secondary/seasonal homes that may have some rental exposure.

Coverage Conditions for New Business:
* Standard Homeowners Forms HO 00 03 and HO 00 05
* Building coverage  minimum of $250,000
* Building coverage maximum of $800,000
* Liability coverage minimum $500,000
* 2% Hurricane only wind deductible with minimum $500 all other perils deductible

Underwriting Conditions:
* Prequalification for distance to coast, loss history, and insurance scores
* Central Heat
* Home Replacement Cost Estimator showing a cost of no less than $175/square foot for gross living area
* Completed application
* Protective Safeguards Affidavit
* Supplemental Questionnaire for Secondary/Seasonal homes
* Rental Questionnaire if any rental