Homeowners Underwriting
Our underwriting process combines the best of a technological approach with good old fashioned human underwriting.
Most of our new business underwriting is done on line with our easy-to- use web-based application process. Our quoting process
verifies location, checks credit score, and screens for qualifying risk characteristics. Appropriate insurable value can be
chosen using our replacement cost estimating tool. Eligible risks may be bound on the spot and submitted to the company.
Agents can also call underwriting to discuss non-qualifying risks. Our underwriters average 8 years experience in personal lines
and have authority to make exceptions when warranted by risk characteristics.
Policy information is verified by our underwriting team on new and renewal business. Our underwriters use a variety of tools,
claim information, and public records to review risks submitted to us.