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Personal Products

Homeowners HO3

middle aged couple surrounded by moving boxes in new condo

Product Info

It’s easy to rate, quote and bind your client’s homeowner’s policy online using our 24/7 portal.

  • Online quoting, application and endorsement submission via ArrowheadExchange.com
  • Online access to producer copies of policy documents
  • Producer reports, including new business, cancellations, pending cancellations, endorsements, reinstatements and transaction summary
  • Policyholder online payments with credit card or checking account
  • Integrated brush mapping, distance to coast verification, protection class determination, CLUE and credit reports at point-of-sale depending on state and program
  • 24/7 claims service through third party administrator
Centauri Specialty Insurance Company
Centauri National Insurance Company
Universal Insurance Company North America
Universal North America Insurance Company

Select state at right to see specific carrier
AL, AZ, CA, CT, DE, HI, LA, MD, MA, MS, NV, NJ, NY, NC, OK, PA, SC, TX, VA, WA

Coverage highlights vary by state. Choose your state to review the details.

Alabama

Carrier

Centauri Specialty Insurance Company

Coverage Highlights

  • Coverage A limits up to $1 million
  • All dwellings located outside of Zone 1 of the wind pool or over 2,500 feet from the coast are eligible to obtain coverage with wind
  • 25% Extended Replacement Cost available by endorsement for all homes built within the past 75 years
  • Consideration for prior losses
  • One and two-family dwellings
  • ID Theft Coverage available
  • Equipment Breakdown Coverage available
  • Credits – Accredited builder, new purchase, building code, secured community/building, 55 and retired, full pay, protective devices, wind mitigation – complete window and opening protection, hip roof, flat tile, fortified for safer homes, financial responsibility, personal status, companion policy, HardiePlank and renovation

Arizona

Carrier

Universal North America Insurance Company

Coverage Highlights

  • Coverage A limits up to $1 million
  • 50% extended replacement cost included
  • Plus Package Endorsement included on all policies
  • Consideration for prior losses
  • Unsupported seasonal secondary dwelling acceptable
  • One and two-family dwellings
  • ID Theft Coverage available
  • Equipment breakdown coverage available
  • Credits: New home, three-year claim-free, protective devices, new loan, preferred builder, multi-policy

California

Carrier

Universal North America Insurance Company

Coverage Highlights

  • Coverage A limits up to $1 million
  • 25% or 50% extended replacement cost options available for all homes 1930 and newer.
  • Consideration for prior losses
  • Unsupported seasonal secondary dwelling acceptable
  • One to four family dwellings
  • ID Theft Coverage available
  • Equipment breakdown coverage available
  • Credits: Companion auto policy, new home, tile roof, five-year claim-free, protective devices, guarded gate community, mature homeowner, new purchase, renovation, complete restoration

Connecticut

Carrier

Universal North America Insurance Company

Coverage Highlights

  • Coverage A limits up to $1 million
  • 25% Extended Replacement Cost available by endorsement for all homes 1930 and newer
  • Consideration for prior losses
  • Unsupported seasonal secondary dwelling acceptable
  • One to four family dwellings
  • ID theft coverage available
  • Equipment breakdown coverage available
  • Credits: Protective devices, renovation, new home, mitigation, mature homeowner/tenant, three- and five-year claims free, wind loss mitigation, hurricane roof straps, renewal and multi-policy

Delaware

Carrier

Universal North America Insurance Company

Coverage Highlights

  • Coverage A limits up to $1 million
  • 125% Extended Replacement Cost available by endorsement for all homes 1930 and newer
  • Consideration for prior losses
  • Unsupported seasonal secondary dwelling acceptable
  • One to four family dwellings
  • ID theft coverage available
  • Equipment breakdown coverage available
  • Credits: Protective devices, new home, new purchase, mature homeowner, renewal, three and five-year claim free, storm shutters and hurricane roof straps

Hawaii

Carrier

Universal North America Insurance Company

Coverage Highlights

  • Coverage A limits up to $3 million
  • 125% extended replacement cost available by endorsement for all homes 1960 and newer
  • Consideration for prior losses
  • Unsupported seasonal secondary dwelling acceptable
  • One to two family dwellings
  • ID Theft Coverage available
  • Equipment breakdown coverage available
  • HI Credits: age of home, claims free (renewals), protective devices, multi-policy

Louisiana

Carrier

Centauri Specialty Insurance Company, Centauri National Insurance Company

Coverage Highlights

  • Coverage A limits up to $1 million
  • All dwellings located outside of the wind pool are eligible to obtain coverage with wind
  • 25% extended replacement cost available by endorsement for all homes built in or after 1960
  • Consideration for prior losses
  • One and two-family dwellings
  • ID Theft Coverage available
  • Equipment Breakdown Coverage available
  • Credits – Accredited builder, new purchase, secured community/building, 55 and retired, personal status (married or widow/widower), full pay, protective devices, renovated home discount, wind mitigation – complete window and opening protection, hip roof, flat tile, building code, companion policies, HardiePlank, Fortified for Safer Homes

Maryland

Carrier

Universal North America Insurance Company

Coverage Highlights

  • Coverage A limits up to $1 million
  • Extended replacement cost available for all homes 1930 and newer included.
  • Consideration for prior losses
  • Unsupported seasonal secondary dwelling acceptable
  • One to four family dwellings
  • ID Theft Coverage available
  • Equipment breakdown coverage available
  • Credits: New home, three-year claim-free, protective devices, mature homeowner, storm shutters, roof straps and renewal

Massachusetts

Carrier

Centauri Specialty Insurance Company

Coverage Highlights

  • Coverage A limits up to $1 million
  • Dwellings built 1900 and newer
  • 25% Extended Replacement Cost available by endorsement
  • Consideration for prior losses
  • Unsupported secondary dwelling acceptable
  • One and two-family dwellings
  • ID Theft Coverage available
  • Equipment breakdown coverage available
  • Credits – Secured community/building, multi-policy, full pay, companion policy, protective devices, new purchase, renovated home, 3 year claims free

Mississippi

Carrier

Centauri Specialty Insurance Company

Coverage Highlights

  • Coverage A limits up to $1 million
  • All dwellings located more than 2,500 feet from coastal waters are eligible to obtain coverage with wind.
  • 25% Extended Replacement Cost available by endorsement for all homes built within the past 75 years
  • Consideration for prior losses
  • One and two-family dwellings
  • ID Theft Coverage available
  • Equipment Breakdown Coverage available
  • Credits – Accredited builder, new purchase, secured community/building, 55 and retired, full pay, protective devices, wind mitigation – complete window and opening protection, hip roof, flat tile, fortified for safer homes, financial responsibility, and HardiePlank siding

Nevada

Carrier

Universal North America Insurance Company

Coverage Highlights

  • Coverage A limits up to $1 million
  • 50% extended replacement cost included
  • Plus Package Endorsement included on all policies
  • Consideration for prior losses
  • Unsupported seasonal secondary dwelling acceptable
  • One and two-family dwellings
  • ID Theft Coverage available
  • Equipment breakdown coverage available
  • Credits: New home, three-year claim-free, protective devices, new loan, preferred builder, multi-policy

New Jersey

Carrier

Universal North America Insurance Company

Coverage Highlights

  • Coverage A limits up to $1 million
  • 125% Extended Replacement Cost available by endorsement for all homes 1930 and newer
  • Consideration for prior losses
  • Unsupported seasonal secondary dwelling acceptable
  • One to four family dwellings
  • ID theft coverage available
  • Equipment breakdown coverage available
  • Credits: Protective devices, new home, new purchase, mature homeowners, renovation, renewal and five-year claims free

New York

Carrier

Universal North America Insurance Company

Coverage Highlights

  • Coverage A limits up to $1 million
  • 125% Extended Replacement Cost available by endorsement for all homes 1930 and newer
  • Consideration for prior losses
  • Unsupported seasonal secondary dwelling acceptable
  • One and two family dwellings
  • ID theft coverage available
  • Equipment breakdown coverage available
  • Credits: Protective devices, new home, storm shutters (in designated territories), mature homeowner, renovation and multi-policy

North Carolina

Carrier

Universal North America Insurance Company

Coverage Highlights

  • Coverage A limits up to $1 million
  • Dwellings located in wind-pool territories are eligible for coverage ex-wind
  • 125% extended replacement cost available by endorsement
  • One to four family dwellings accepted
  • Secondary dwellings acceptable on a stand-alone basis
  • Older homes accepted with updates
  • Consideration for prior losses
  • New home credit
  • Protective devices credits
  • Replacement cost on contents available
  • Water back-up coverage available
  • Personal injury coverage available

Oklahoma (HO3/HO2)

Carrier

Universal North America Insurance Company

Coverage Highlights

  • Coverage A limits up to $1 million
  • Replacement Cost of Roofs 5 years old and newer available in the HO3 program
  • 25% Extended Replacement Cost available in the HO3 program
  • Dwellings 75 years of age and newer
  • No limit on water damage for homes 50 years of age and newer
  • Incidental Farming Liability
  • Up to 10 farm animals or saddle animals (excluding poultry) acceptable
  • Credits – Secured Community/Building, 55 and retired, Approved Roof Surface, Protective Devices, Full Pay
  • Optional Endorsements HO3 only – Water Back Up and Sump Overflow, Special Personal Property Coverage, Premier and Premier Plus Packages, Identity Fraud Expense Coverage and Equipment Breakdown

Pennsylvania

Carrier

Universal North America Insurance Company

Coverage Highlights

  • Coverage A limits up to $1 million
  • 25% & 50% extended replacement cost available by endorsement
  • Consideration for prior losses
  • Package Endorsements Available
  • ID Theft Coverage available
  • Equipment breakdown coverage available
  • Credits: 36-Month Loss Free, Age of Dwelling, protective devices and new loan

South Carolina

Carrier

Universal Insurance Company of North America

Coverage Highlights

  • Coverage A limits up to $1 million
  • All dwellings located outside of the wind pool are eligible to obtain coverage with wind
  • Earthquake coverage available
  • 25% Extended Replacement Cost available by endorsement for all homes 1930 and newer
  • Older homes acceptable with updates
  • Consideration for prior losses
  • Unsupported Seasonal Secondary Dwelling acceptable
  • One to four family dwellings
  • ID Theft coverage available
  • Equipment Breakdown coverage available
  • Credits: New Home, New Purchase, Claims Free (renewals), Protective Devices, Mature Homeowner, Multi-Policy, Storm Mitigation, Companion Auto

Texas (HOB/HOA+)

Carrier

Universal Insurance Company of North America

Coverage Highlights

  • Coverage A limits up to $1 million
  • HOB policy available on any age dwelling
  • 125% or 150% Extended Replacement Cost available by endorsement
  • Older homes acceptable with updates
  • Consideration for prior losses
  • ID Theft Coverage available
  • Equipment Breakdown Coverage available
  • Credits New Home, Claims Free, Protective Devices and Impact Resistant Roofs

Virginia

Carrier

Universal Insurance Company of North America

Coverage Highlights

  • Coverage A limits up to $1 million
  • 125% Extended Replacement Cost available by endorsement for all homes 1930 and newer
  • Consideration for prior losses
  • Unsupported seasonal secondary dwelling acceptable
  • One to four family dwellings
  • ID theft coverage available
  • Equipment breakdown coverage available
  • Credits: Protective devices, mature homeowner, three-year & five-year claims free, storm shutters, hurricane roof straps, multi-policy, new purchase and platinum community

Washington

Carrier

Universal Insurance Company of North America

Coverage Highlights

  • Coverage A limits up to $1 million
  • 50% extended replacement cost available by endorsement
  • Consideration for prior losses
  • Unsupported Secondary Dwelling acceptable
  • ID Theft Coverage available
  • Equipment breakdown coverage available
  • Credits: Loss Free (renewals) Brick/Masonry Construction, Age of Dwelling, protective devices, new homebuyer

Target Market

Homeowners in multiple states (view states at left).

How to quote

This homeowners’ product is available on Arrowhead Exchange.

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