Home with Trampoline

Jul 25, 2015

  1. indienoise
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    indienoise Guru

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    State:
    South Carolina
    Any ideas on a carrier i could look into?
    Need 500k liability
    Has trampoline
    Want earthquake coverage
    Has one hail claim

    Because of this combination, i cant use or have been declined by
    Allied
    Universal NA
    Stillwater
    UPCIC

    Coverage offered but not competitive
    Travelers
    Safeco
    Hartford

    I don't have foremost but i assume they probably wont be great either. Any ideas?
     
  2. jlanier
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    jlanier Super Genius

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    Encompass will do trampoline with a small surcharge. I think like $25 annually. They don't offer earthquake - at least in Tennessee so you'd have to get that monoline
     
    jlanier, Jul 26, 2015
    #2
  3. HowdyDoody
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    HowdyDoody Super Genius

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    Do you get a lot of earthquakes in S. Carolina?
     
  4. indienoise
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    indienoise Guru

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    Gonna have to be monoline. Rules out encompass doesnt it? Have the auto with allied already, the home was gonna be with them too but they declined because of a hail claim 3 years ago. Had home with universal na but there turned out to be a trampoline. Ive always found that kind of stupid, why not just exclude liability and move along?

    We actually do have a fault line right through the upstate, had a quake last year. Not super destructive, but it was centered about 100 miles away. He had quake coverage on prior policy so wanting to keep it.

    If no other possibilities come up, Where do you go for monoline quake?
     
  5. HowdyDoody
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    HowdyDoody Super Genius

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    They can happen anywhere, don't have to be in California,

    https://en.wikipedia.org/wiki/1811–12_New_Madrid_earthquakes
     
  6. jlanier
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    jlanier Super Genius

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    We use CatCoverage/Poulton and Associates for monoline EQ.
     
    jlanier, Jul 26, 2015
    #6
  7. Dave864
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    Dave864 Expert

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    Allied denied because of a hail claim? That doesn't sound right. Are you calling their new DART underwriting program? Try calling back and getting a different underwriter to take a look at it. Unless the trampoline doesn't have a fence around it, I can't think of any reason Allied wouldn't want this.
     
    Dave864, Jul 27, 2015
    #7
  8. hesse
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    hesse Guru

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    allied in minnesota wants a fenced in yard or a certain number of feet away from neighbors for a trampoline
     
    hesse, Jul 27, 2015
    #8
  9. Dave864
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    Dave864 Expert

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    Yeah but that's a good idea anyway. Plus, indienoise said it was denied through Allied because of a hail claim.
     
    Dave864, Jul 27, 2015
    #9
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