National Fire & Marine
All carriers are A.M. Best rated A or higher. Not all business will qualify and may not be available in all states. The Underwriting and Coverage options below are a general summary. Coverage may vary depending on the state and risk. Please contact your Account Executive for details specific to your risk.
If you do not have access to Maximus or the National Fire & Marine product in Maximus, please send an email to maximussetup@nrsinsurance.com including the name of your agency, producer ID, your first and last name, and email address.
***Please note a Consumer Based Insurance Score report will be ordered on your insured at the time of quoting.***
Product Advantages
- HO3 form
- Hurricane deductible ranges from 2% to 25% regardless of distance to coast
- Minimum Coverage A $250,000 ($400,000 in Miami-Dade and Broward county)
- Mold Coverage $10,000/$50,000 limit Section I/II included on all risks
- Extended Replacement Cost available up to 125%
- Ordinance or Law 10% or 25%
- Water Back Up limits of $5,000, $10,000, or $25,000 available
- Liability limits available up to $1,000,000
- Personal Injury (some restrictions apply)
- Identity Fraud $15,000 limit included (Primary residences only)
- Screened Enclosure/Carport Coverage up to $50,000
- Animal Liability up to $30,000 (some restrictions apply)
- Catastrophic Ground Collapse included
Eligible Risks
- Homes, Trusts, LLCs, & Corps
- PC 1 – 8
- Primary, Secondary, Seasonal, Short/Long term rental
- Year built 1950 and newer (some restrictions apply)
- No minimums on Distance to Coast
- 1 or 2 family homes
- Risks with 2 eligible claims within the last 3 years (some restrictions apply)
Ineligible Risks
- Estates
- Homes that are vacant, undergoing renovation or course of construction, or for sale that are no occupied
- PC 9-10
- Risks with more than 2 losses in the last 3 years, prior water damage loss over $10,000, prior liability or fire loss, or prior vandalism/malicious mischief loss over $2,500, or any open claims
- EFIS, Log, unusual construction types, or historical landmarks
- Fuses, aluminum or knob/tube wiring
- PBC plumbing or PEX plumbing systems installed prior to 2001
Submission Requirements
- Completed application