PA Homeowner Insurance

[b61mack]

I have a client, in PA, lapse in coverage since oct 2012, no claims, no morgage, home replacment 378,000. what wholesalers will find a company, I gave it to superior acess, Metlife came in at about 3k, but the lapse, kicked it out, Hartford I think was like 4,700. superior acess is trying universal now! any suggestions, out there?

 

[Milkman1265]

try to harleysville, kensington or utica first.

 

[nyc2phi]

Try Foremost. I think they are decent with that stuff here in PA.

Your trying to write sub-standard business with preferred carriers....

 

[b61mack]

I have been putting off SIAA, waiting for Erie, so I decided to give superior acess a try. They all talk a good game, until you give them business. Progressive will only let me sell auto.Superior has a limited selection. That is why I didn't go with Smart Choice.. When I talked with the state association, they basiclly have the same player, Harford, Travelers,Metlife, Safeco, Superior Acess charges one cent the first month. Let see if they are worth one cent!

 

[blue_wynd]

Try Foremost. I think they are decent with that stuff here in PA.

Your trying to write sub-standard business with preferred carriers....

Foremost takes lapsed policy. There is a lapse surcharge. Around $45 a year I think.

 

[b61mack]

Superior Access has come through. They sent me a good quote. I found them to be easy to work with. They spent the time to shop it! I am happy with their service.

 

[nyc2phi]

what carrier took the policy ?

 

[b61mack]

Universal, north american, part of Arrowhead, The first couple of quotes from other companies were 4700, 3000, then 1500 from universal. Their was a 9 month lapse, but no claims, no morgage, 311k value. In fact she is from your neck of pa, outside Philly,

 

[nyc2phi]

Universal, north american, part of Arrowhead, The first couple of quotes from other companies were 4700, 3000, then 1500 from universal. Their was a 9 month lapse, but no claims, no morgage, 311k value. In fact she is from your neck of pa, outside Philly,

Could of probably told you that by the scenario you described

 

[Milkman1265]

4700 for homeowners... i need to do PA more lol.

i deal with DP/HO 400-900 a year