Payment options:

• Manual payment
• Paid in full
• Semi-annual- 55% dp - 6 months
• 4pay every 90 days - 30% dP

Discount options:

• Paid in full

Coverage Options:

• Coverage A Min: 100k
• Guaranteed RC: 100%
• Umbrella option: yes

Underwriting Guidelines:

• Only writes in LA with a wind exclusion.
• Central air required: yes
• Central Heat Required: yes
• Accept Asbestos siding: not accepted
• Water Damage Limits: endorsement
• Age Water Damage Limits applied: endorsement
• Pool Eligible/requirement: fenced, or entire property 4 ft high and locked
• Slide Eligible: no
• Diving Board Eligible: no
• Trampoline Eligible/requirement: no
• Age of construction minimum: 150
• Roof age minimum: 20 yrs
• Crawl space acceptable: yes, need to be enclosed

Policy Types Offered:

• DP3
• HO3
• HO4
• HO5
• HO6

Other:

• LINK
• Exclusion:
  • Collision coverage may be excluded when an unlisted driver has been a resident or houseguest for at least 185 days.

Payment options:

• -

Discount options:

• -

Coverage Options:

• -

Underwriting Guidelines:

• -

Policy Types Offered:

• -

Other:

• -

Payment options:

• Pay in full/Mtg billed
• 2 pay
• 4 pay
• 10 pay
• Auto deduction or CC
• Monthly manual pay

Coverage Options:

• Umbrella option: yes

Underwriting Guidelines:

• Central air required: yes
• Central Heat Required: yes

Other:

• Writes in the 26 parishes: Acada, Ascension, Assumption, Calcasieu, East Baton Rouge, Iberia, Iberville, Jefferson, Jefferson Davis, Lafayette, Lafourche, Livingston, Orleans, Plaquemines, St. Bernard, St. Charles, St. James, St. John the Baptist, St. Martin, St. Mary, St. Tammany, Tangipahoa, Terrebonne, Vermillion, Washington and West Baton Rouge.
• Ineligible Area: Cameron 

Payment options:

• 1 pay
• 2 pay
• 4 pay
• EFT

Coverage Options:

• Coverage A Min: $100,000
• Guaranteed RC: 100
• Umbrella option: no

Underwriting Guidelines:

• Central air required: yes
• Central Heat Required: yes
• Accept Asbestos siding: yes, underwriting approval
• Unacceptable dog breeds: signed exclusion
• Water Damage Limits: no specific
• Age Water Damage Limits applied:-
• Pool Eligible/requirement: no, need to sign an exclusion
• Slide Eligible: no
• Diving Board Eligible: no
• Trampoline Eligible/requirement: no
• Age of construction minimum: none
• Roof age minimum: none, 15 yrs acv claim, under 15, RCV
• Crawl space acceptable: yes

Other:

• Pausing New Business on: Foremost Choice (Landlord and Manufactured Home) policies
• The following ZIP Codes in these parishes are entirely restricted for all programs:
  • Assumption: 70341, 70339
  • St. Martin: 70339
• The following parishes are restricted for the Dwelling Fire Owner-occupied and Landlord Programs (N/A Condo):
  • Ascension
  • East Baton Rouge
  • Iberville
  • Livingston
  • West Baton Rouge
• The following parishes are restricted for the Foremost Choice Homeowners:
  • Entire State

Payment options:

• Paid in full/Mortgagee billed
• Monthly EFT (20% down with 10 installments)
• 2 pay
• 4 pay

Discount options:

• In agency auto, no service fee for paid in full

Coverage Options:

• Coverage A Min: $150,000
• Guaranteed RC: no
• Umbrella option: no

Underwriting Guidelines:

• Central air required: yes
• Central Heat Required: yes
• Accept Asbestos siding: Not accepted
• Unacceptable dog breeds: Yes
• Water Damage Limits: No (5k for water backup already included)
• Age Water Damage Limits applied: N/A
• Pool Eligible/requirement: Accepted with a 4-foot fence with self-locking gates and above-ground pools are equipped with a pull-up ladder.
• Slide Eligible: No
• Diving Board Eligible: No
• Beach and waterfront properties are ineligible.
• Trampoline Eligible/requirement: Accepted if surrounded by safety netting and positioned on flat ground.
• Age of construction minimum: Homes over 50 years old must be submitted to underwriting prior to binding. We require an accompanying inspection from the agency, including exterior pictures of the front and back, and interior pictures of all rooms.
  All kitchens and bathrooms must be completely renovated including plumbing, cabinetry, appliances, and
  floors. Updates in kitchens and bathrooms must be visible from photos. The age of hot-water heaters should be included as well.
• Roof age minimum: No
• Crawl space acceptable: Yes (pier and beam under 3 ft must be enclosed)

Policy Types Offered:

• DWF
• Renters

Other:

• No metal buildings on premises, no ponds, no farm animals, no acreage over 5, must be visible to at least 3 other dwellings, and paved access.
• Risks over 50 years old, unless kitchens and bathrooms have been updated. Must be submitted prior
  to binding.

Personal Auto:

• Offers annual terms to more of your personal auto customers in Louisiana.
• Access our new annual terms - just select "12 Months" on the "Coverages" screen when completing a quote on natgenagency.com.

Payment options:

• Paid in full/Mortgagee billed
• 2 pay
• 4 pay
• Monthly EFT

Discount options:

• 2-pay keeps full pay discount
• Auto discount applied until next renewal

Coverage Options:

• Guaranteed RC: 100 % ext
• Umbrella option: Yes w/auto

Underwriting Guidelines:

• Central air required: yes
• Central Heat Required: yes
• Unacceptable dog breeds: Yes
• Water Damage Limits: No
• Age Water Damage Limits applied: N/A
• Pool Eligible/requirement: Accepted, fences preferred
• Slide Eligible: yes
• Diving Board Eligible: yes
• Trampoline Eligible/requirement: Fences preferred
• Age of construction minimum: no
• Roof age minimum: 30 years (75 for metal)
• Crawl space acceptable: No open foundation for homes built prior to 1960

Policy Types Offered:

• Home
• DWF
• Renters
• Condo

Other:

• -

Payment options:

• -

Discount options:

• -

Coverage Options:

• -

Underwriting Guidelines:

• -

Policy Types Offered:

• -

Other:

• Specific parishes are 2% and 3%
• If the home is older than 30 years it will require a 4 point inspection

Update:

• Either select or not select that the roof is 2006 SUCC compliant.
  • 2006 SUCC Compliant means that the roof adheres to the construction standards set in 2006
• The selection of the “is the 2006 SUCC compliance” affects two things:
  • The need for a form to be completed about the roof
  • Valuation of the roof
    • Selecting YES and providing the form leaves the roof as a replacement cost
    • Selecting NO to compliance and not providing the form means roofs older than 15 years change to ACV. 

Payment options:

• Paid in full/mortgagee billed
• 2 pay
• 4 pay
• 10 pay

Discount options:

• In agency auto disct
• 50+ and retired discount

Coverage Options:

• Coverage A Min: $75,000
• Guaranteed RC: no
• Umbrella option: no

Underwriting Guidelines:

• Central air required: yes
• Central Heat Required: yes
• Accept Asbestos siding: yes
• Unacceptable dog breeds: Signed exclusion
• Water Damage Limits: No
• Age Water Damage Limits applied: N/A
• Pool Eligible/requirement: Allowed, 4 ft fence required with locking gates
• Slide Eligible: Excluded
• Diving Board Eligible: Excluded
• Trampoline Eligible/requirement: Excluded with a signed statement
• Age of construction minimum: no
• Roof age minimum: 12 for asphalt, 20 for architectural / Risks with roofs older than 10 years in all parishes are ineligible for Diamond & Diamond Elite producers. Platinum producers will require roofs less than 5 years old.
• Crawl space acceptable: Yes, including open crawlspace or piers/posts

Policy Types Offered:

• HO3

Other:

• Metal buildings on premises larger than 750 sq feet must be referred to UW
• Lafourche, Plaquemines, St. Bernard and Terrebonne parishes:
  • Minimum Coverage A $400,000
  • 3% hurricane or wind/hail deductible required
• The remainder of the state:
  • Minimum Coverage A $300,000

• The following changes to the hazard minimum deductibles requirements for hurricane or wind and hail are effective for new business beginning December 13, 2022:

  • Very High Hazard has increased from 2% to 3%
  • Extreme Hazard locations remain ineligible, but in case of exceptions, the deductible has increased from 2% to 5%
• Louisiana is divided into 6 locations based on their eligibility:
  • extreme hazard locations are ineligible: in rating territories 900, 910, 920, 930, 940, 950, 960, 970, 980, 990 or .50 of a mile or less from a designated primary shoreline or .04 of a mile or less from any designer inner shoreline. All measurement references are from "means high tide"
  • very high-hazard locations are eligible with 5% deductible on wind, hail, hurricane and earthquake:  260 (Jefferson), 290  (Lafourche), 360, 361 (Orleans), 380 (Plaquemines), 440 (St. Bernard), 520 (St. Tammany).
  • high-hazard locations are eligible and are located in non-coastal portions: Cameron (120), Iberia (230), St. Charles (450), St. Mary (510), Vermilion (570).
  • moderate hazard locations are eligible: Acadia (10), Assumption (40), Calcasieu (100), Lafayette (280), St. Charles (450), St. Martin (500).
  • mild hazard locations are eligible: in rating territories 20, 30, 60, 170, 171, 190, 200, 240, 270, 320, 390, 460, 470, 480, 490, 530, 590, 610, and 630. 
  • low hazard locations are eligible and are defined as any other location in LA not designated as an extreme, very high, high, moderate, or mild hazard locations.

Details

• Issuing Insurer: Acceptance Indemnity Insurance Company.
• Financial Strength: A- (Excellent) AM Best Rating.
• Capacity in In-Demand Areas: Available statewide and in the New Orleans area, including Orleans, Jefferson, and St. Tammany parishes without restrictions.
• Coverage A Limits: Up to $2 million.
• Roof Age: No limit for permanent roofing, up to 20 years for architectural shingles, and up to 12 years for other non-permanent roofing.
• New Eligibility: Front- or first-row dwellings and home-sharing qualify.

• Up to 2 million
• Extreme hazard locations may be eligible
• Primary
• Single to 4 fam
• Min required deductible:
  • 1-3% wind/hail hurricane depending on the location
  • $500 all other perils ( of course we would use $1000)

• Roofing eligibility
  • Non-perm roofing materials:
    • Arch up to 20 years
    • Asphalt up to 12 years
  • Permanent roofing materials:
    • Metal min 29 gauge steel no age limit
    • Clay no age limit
    • Slate no age limit
    • Cosmetic marring not covered
• High value homes:
  • See Elements for success Agent portal resources page
• All risk will be inspected:
  • Under 600k exterior inspection
  • Over 600k will need an interior inspection appointment will be made

• Quoting tips/need to know
  • Ask about MLS photos
  • SSN not required, but could help get a better rate
  • Dwelling additional amounts of insurance -= replacement cost
    10% discount if we have auto policy in house
  • Suplus line acknowledgment must be signed and initialed
    25% min earned premium if policy cancelled by Trium pro-rated by insured 25% will be kept
  • Flat cancellations are available.
  • Only full pay by insured or mort
  • No fee on credit card at issuance, there is a 2.9 fee for cc afterwards for renewal or endorsement
  • It will apply even with easy pay

• Ineligible
  • Vacant, unoccupied, for sale
  • Properties under constructions

Coverage Options:

• Coverage A: Maximum amount up to $400,000
• Guaranteed RC: 
• Umbrella option: 

Payment options:

Discount options:

Coverage Options:

• Coverage A Min: $150,000 up to 2 million
• Guaranteed RC: 
• Umbrella option: 

Underwriting Guidelines:

• Central air required: 
• Central Heat Required: Dwellings without a heating and cooling system permanently installed, utilizing any type of space heater or portable heaters as a primary heating source, with the following petroleum-based or propane-based storage tanks: over 125 gallons within 10 ft. of the home; over 2,000 gallons within 25 ft. of the home; or underground tank within 10 ft. of the home and wood or similar type burning stoves used as a primary heating source are ineligible. All other supplemental usage must have approved installation with a completed wood stove supplemental questionnaire. 
• Accept Asbestos siding: 
• Unacceptable dog breeds: Dangerous dogs including but not limited to, any of the of following breeds or any mixture that includes the following breeds (regardless of percentage) are deemed ineligible: Akita, American Bulldog, Beaucerons, Belgian Malinois,
  Bull Mastiff, Catahoula Leopard, Caucasian Mountain Dogs, Chow, Coyote,Doberman Pinscher, Pit Bull, Presa Canario, Rhodesian Ridgeback, Rottweiler,Staffordshire Terrier or Wolf/Wolf-Hybrids.
  • Any dog that has been trained and or used as a guard dog, attack dog and or
    military/police work is ineligible
  • Any dog belonging to a breed that was historically bred for fighting is ineligible
  • Risks with any wild/non-domestic animals including snakes, lizards, monkeys,
    tigers or vicious dogs are ineligible
  • Any animals with a prior bite history are ineligible.
• Water Damage Limits: 
• Pool Eligible/Requirement: Unfenced swimming pools/pools without a self-latching gate will automatically
  have liability for the pool excluded by endorsement. This endorsement may be removed at ICAT’s discretion.
• Slide Eligible: 
• Diving Board Eligible: 
• Trampoline Eligible/requirement: 
• Age of construction minimum:
  • Dwellings that are 40+ years old require confirmed evidence that plumbing, heating and electrical have been updated in the past 15 years.
  • Dwellings more than 40 years old with no plumbing updates in the past 15 years may be written with a Water Damage limitation or exclusion.
  • Dwellings with a water heater 15 years or older may be written with a Water Damage limitation or exclusion.
• Roof age minimum:
  • Any roof deemed to be in poor condition is ineligible.
  • Roofing with multiple layers is ineligible.
  • Any roof over 15 years wil be place on ACV. Clay/tile we will exclude at 15 years and they become ineligible at 20. The rest of the roof claddings will be ineligible after 25 years
• Crawl space acceptable: 

Policy Types Offered:

• HO3 and HO5

Other:

• Only dwellings in the following parishes are eligible for coverage: Acadia, Allen, Ascension, Assumption, Beauregard, Calcasieu, Cameron, East Baton Rouge, East Feliciana, Evangeline, Iberia, Iberville, Jefferson, Jefferson Davis, Lafayette, Lafourche, Livingston, Orleans, Pointe Coupee, St. Bernard, St Charles, St Helena, St James, St John the Baptist, St Landry, St Martin, St Mary, St Tammany, Tangipahoa, Terrebonne, Vermilion, Washington, West Baton Rouge, and
  West Feliciana. A minimum 3% Named Storm or Wind/Hail deductible applies.
• Water Coverage Restrictions: Dwellings with a year of construction making them 40 years old
  or older (as determined by policy effective date) will have a Water Damage Sublimit of $10,000
  applied if there have been no updates to plumbing in the last 15 years.
  
• Ineligible: Any dwellings with prior flood losses within the past 3 years are ineligible unless all damages have been repaired (with submitted documentation). Any risks located in
  Grand Isle, ZIP Code 70358 are ineligible.