Homeowners
GeoVera Specialty Surplus Lines Homeowners Products.

GeoVera Specialty Surplus Lines Homeowners Products.
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GeoVera Specialty Insurance Company offers the following surplus lines homeowners insurance products:

 

HO-3:

The HO-3 provides coverage for the residence premises owned by the named insured in the event of a partial or total loss due to a stated peril listed in the policy, up to the policy limits.

Available in AL, FL, LA, NC, RI, SC, TX, VA

All Risk on Dwelling, Named Perils on Contents

Seasonal/Secondary Homeowners Product available in FL

Coverage for the Primary Residence only (except FL & SC)

Dwelling Coverage up to 125% of Coverage A in most states depending on Year Built 

Contents Issued at 50% of Coverage A in most states

Liability issued at $300,000 ($100,000 for Florida Seasonal/Secondary and Louisiana)

Wind Coverage in Coastal Areas for risks (risk must be more than 1000 feet from coast to qualify)

HO-3A

The GeoVera Specialty HO-3A product is the HO-3 policy with endorsement US-A. The US-A endorsement restricts coverage for water damage and removes coverage for off premises theft. The HO-3A is available for residences located in Texas.

Available in Texas

Water Damage Limited to Named Perils on Dwelling and Contents

Theft Limited to Primary Residence Only

Dwelling coverage up to 100% of Coverage A

Contents Issued at 50% of Coverage A

Liability issued at 300K

Wind Coverage in Coastal Areas for risks (risk must be more than 1000 feet from coast to qualify)

HO-3 T:

Tenant The GeoVera Specialty HO-3 Tenant is the HO-3 policy with endorsement US 05 10. The US 05 10 endorsement changes the definition for “residence premises” to include a dwelling rented or held for rental to others. The HO-3 Tenant is available for residences located in Florida.

Available in Florida & South Carolina

Other Structures issued at 10% of Coverage A unless excluded

Contents issued at 5% of Coverage

Issued with no liability and medical payments coverage

Optional limits of $50,000, $100,000 or $300,000 are available for premises liability with $2,000 for medical payments

Loss of Use issued at 10% of Coverage A

HO - Wind Only:

The GeoVera Specialty HO - Wind Only policy is available for residences located in Alabama, Florida and Texas. This is a property only policy, no liability or medical payments coverages are included.

Available in Alabama, Florida and Texas

Dwelling Coverage up to 100% of Coverage A.

Seasonal/Secondary Homeowners, tenant occupied, vacant and unoccupied are eligible!

The Other Structures coverage is issued at 10% of Coverage A. Available options are 2%, 5% and 10% of Coverage A.

Personal Property options are 25% and 50% of Coverage A, with a default of 50% for owner occupied; tenant and vacant occupancy are issued at 5%.

Loss of Use is issued at 20% of Coverage A for owner occupied, all other occupancy are issued at 10% of Coverage A.


Contact GeoVera Dept.
Ana Mary Castillo
Customer Service Representative

Phone: 866-417-4855
Kim Frazer
Customer Service Representative

Phone: 866-417-4855
Natalia Gonzalez
Customer Service Representative

Phone: 866-417-4855