Payment options:

• Mortgagee Billed
• Insured Full Pay
• Insured 2 Pay and 4 Pay
• 2 Pay EFT*
• 4 Pay EFT* and 10 Pay EFT*

Discount options:

• all payment plans

Coverage Options:

• Coverage A Min: $250,000
• Guaranteed RC: 100%
• Umbrella option: yes

Underwriting Guidelines:

• Central air required: yes
• Central Heat Required: yes
• Accept Asbestos siding: not accepted
• Unacceptable dog breeds: don't cover, do have animal liability
• Water Damage Limits: 10k
• Age Water Damage Limits applied: endorsement
• Pool Eligible/requirement: fenced, or entire property 4 ft high and locked
• Slide Eligible: we don't provide liabilities, but you can
• Diving Board Eligible: we don't provide liabilities, but you can
• Trampoline Eligible/requirement: we don't provide liabilities, but you can
• Age of construction minimum: 75 yrs
  • HO3 & DP3 (New Business) the restriction has been removed
• Roof age minimum: 15 yrs
  • Effective, February 1, 2023, Allied Trust will require proof of roof replacement within the last 5 years for all new business on the HO3 & DP3 products.
• Crawl space acceptable: concretes slab. open or enclose
• Maximum Liability Limit: -
• Maximum Coverage A: -

Policy Types Offered:

• -

Other:

• LINK
• Deductibles: HO3 & DP3 (New Business) Minimum 3% Named Storm Deductible applies for the following parishes: Assumption, Cameron, Iberia, Jefferson, Lafourche, Orleans, Plaquemines, St. Bernard, St. Charles, St. John the Baptist, St. Mary, St. Tammany, Terrebonne and Vermilion. (Minimum 2% Named Storm Deductible applies for all other parishes).

Payment options:

• Pay in full
• Semi-annual
• Quarterly
• Bi-monthly
• Monthly

Discount options:

• -

Coverage Options:

• -

Underwriting Guidelines:

• -

Policy Types Offered:

• Dwelling basic
• Special
• Manufactured home

Other:

• LINK

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:

• Central air required: yes
• Central Heat Required: yes
• Accept Asbestos siding: not accepted
• Unacceptable dog breeds: -
• 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
• Maximum Liability Limit: -
• Maximum Coverage A: -

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

Discount options:

• -

Coverage Options:

• Coverage A Min: -
• Guaranteed RC: -
• Umbrella option: yes

Underwriting Guidelines:

• Central air required: yes
• Central Heat Required: yes
• Accept Asbestos siding: -
• Unacceptable dog breeds: -
• Water Damage Limits: -
• Age Water Damage Limits applied:-
• Pool Eligible/requirement: -
• Slide Eligible: -
• Diving Board Eligible: -
• Trampoline Eligible/requirement: -
• Age of construction minimum: -
• Roof age minimum: -
• Crawl space acceptable: -
• Maximum Liability Limit: -
• Maximum Coverage A: -

Policy Types Offered:

• -

Other:

• -

Payment options:

• 1 pay
• 2 pay
• 4 pay
• EFT

Discount options:

• -

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
• Maximum Liability Limit: -
• Maximum Coverage A: -

Policy Types Offered:

• -

Other:

• Pausing New Business on: Foremost Choice (Landlord and Manufactured Home) policies

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 locking gates
• Slide Eligible: No
• Diving Board Eligible: No
• Trampoline Eligible/requirement: Accepted with fence and safety net
• Age of construction minimum: 50 yrs or submit to UW
• Roof age minimum: No
• Crawl space acceptable: Yes (pier and beam under 3 ft must be enclosed)
• Maximum Liability Limit: -
• Maximum Coverage A: -

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

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:

• Coverage A Min: -
• Guaranteed RC: 100 % ext
• Umbrella option: Yes w/auto

Underwriting Guidelines:

• Central air required: yes
• Central Heat Required: yes
• Accept Asbestos siding: -
• 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
• Maximum Liability Limit: -
• Maximum Coverage A: -

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
• Maximum Liability Limit: -
• Maximum Coverage A: -

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%

Payment options:

• -

Discount options:

• -

Coverage Options:

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

Underwriting Guidelines:

• Central air required: -
• Central Heat Required:-
• Accept Asbestos siding: -
• Unacceptable dog breeds: -
• Water Damage Limits: -
• Age Water Damage Limits applied: -
• Pool Eligible/requirement: -
• Slide Eligible: -
• Diving Board Eligible: -
• Trampoline Eligible/requirement: -
• Age of construction minimum: -
• Roof age minimum: -
• Crawl space acceptable: -
• Maximum Liability Limit: -
• Maximum Coverage A: -

Policy Types Offered:

Other: