Dwelling Carrier

[redsquash]

I use Superior Access for my P&C business.

In my state, they have only two carriers for Dwelling rental - i) Lexington and ii) Safeco.

I got a client who want to insure his primary home, auto and rental property. Safeco wouldn't insure his primary home because its valued over 600k, and safeco doesn't insure houses over 500k in my state. Safeco also requires HO policy before they would insure Rental property. So its catch 20 situation with Safeco, here.

Lexington writes as surplus for rental prop, so the rate, I guess, would be higher than the client currently is paying. Client doesn't want to pay more premium (in total for HO, Auto, Dwelling) than he is currently paying.

What are my options here, other than loose the client? Anyone using Superior Access here, who might have been in this situation.

 

[JCK818]

You dont get Travelers in your state with Superior Access?

 

[redsquash]

You dont get Travelers in your state with Superior Access?

No. Travelers has pulled off from HO market, or atleast they dont write through Superior Access.

I wanted to sell MetLife GrandProtect package, but Superior Access people are telling me I cannot write Landlord's (Dwelling coverage) through MetLife. I understand dwelling rental is not part of GrandProtect package, but atleast should be allowed to be written seperately. I might loose bunch of business if this issue doesn't get resolved. The client prefers to have all policies with same carrier.

 

[markschneider86]

Do you have Pacific Specialty in your state? They have a great dwelling fire policy for rental's...