High Value Program Basic Underwriting Guidelines …

1 Phone: (877) 326-8080 Fax: (954) 837-4340 Email: information on how to file a claim for a Specialty programs policy, log on to and click on Contact Us to download the Claims Reference Sheet. Fast turnaround time, flexibility in Underwriting and open communication allow us to really tailor coverage to a particular risk. [These] are just some of the benefits of working with Security First Managers. ~Warren AgentHigh Value Program : How to Get a Quote1234 For password or login assistance contact Agency Administration at (877) 900-3974 First Managers has partnered with Best A rated carriers to offer you a wide variety of insurance products. Our goal is to provide you with exceptional service and comprehensive insurance protection that s customized to meet your customers individual Reference GuideExtraordinary Solutions For Your Not-So-Ordinary Insurance NeedsBasic Underwriting Guidelines Risks within 1,000 feet of the coast require a minimum 5% named storm deductible.

2 Homes made of unconventional materials or unusual construction or design, or structures not originally intended as a dwelling are subject to individual review. Homes with an ISO Protection Class of 1-8 are acceptable. Protection Class 9 and 10 may require supplemental Underwriting and require an alternate water source. Homes built 1965 or earlier require proof of updates to all major systems. Flat roofs are required to be concrete or have commercial grade underlayment. High Profile clients acceptable with premises liability only. Any single large loss in excess of $50,000, or risks with 2 or more losses in the past 3 years, require individual review for eligibility.

3 (Excluding Acts of God) Properties owned by a trust, LLC, or personal corporation are acceptable when there is no other corporate activity. Preferred occupancy will be considered. Frame homes in windpool eligible territories must have either shutters or hurricane glass unless otherwise approved. Homes located in Palm Beach, Broward, Miami-Dade Counties built prior to 1994 or after 1994 and not meeting the South Florida Building Code or 2001 Florida Building Code are subject to individual review for eligibility and may require supplemental information. Risks in Monroe County are required to have a 10% hurricane deductible, be FBC roof-compliant, have full opening protection, and are subject to individual review for eligibility.

4 Central station fire and burglar alarm is required for homes with Coverage A of $2 million or Value ProgramGo to and log in using your individual user ID and password. Complete the application online by clicking the High Value Policy System tab. In the Action tab choose Submit Application to transfer the application to Underwriting for underwriter will pre-underwrite and model the risk and return a bindable quote to you via email in less than an To File A Claim:System Login Support:Extraordinary Solutions For Your Not-So-Ordinary Insurance NeedsHigh Value ProgramProgram Coverage LimitsA-Dwelling HO3 or HO5 Minimum $1 MillionB-Other StructuresStandard limit 10% of Coverage AMinimum 0% & Maximum is negotiableC-ContentsStandard limit 50% of Coverage AMinimum 5% for owner occupancyD-Loss of UseStandard limit 20% of Coverage AMinimum 0% & maximum is negotiableE-Personal LiabilityStandard limit $300,000 Minimum $0 & maximum $1 MillionF- Medical PaymentsStandard limit $5,000 with option for $10.

5 000 Rental & Short-Term Rental Vacation rental Corporate-owned with premises liability Condo unit rented to othersBuilder s Risk Optional coverage for theft of materials Convert to homeowners on completion Ground up, mid-term, or long-term projects Home under renovation Coverage considered for risks with no general contractor Can convert to HO3 on completion Unprotected risk (PC 9/10) Multi-family homes Corporate or LLC-owned No prior insurance Prior cancellation/non-renewal Farm/agriculture exposure Trust/Land TrustQuick Reference GuideOptional Coverages: Sinkhole coverage Mechanical breakdown Mold coverage Water back-up & sump overflow Scheduled personal property by endorsement.

6 No maximum Personal property replacement cost Loss assessment coverage Ordinance or law Increased replacement cost on dwelling available Watercraft liability Home & family security Personal injuryOccupancy: Primary: Owner-occupied on a full-time basis Secondary: Owner occupies residence on an intermittent basis Note: Secondary occupancy requires either a property manager or other full-time caretaker for the property to be eligible Vacant/for sale Rental: weekly, monthly, or annualCoverage LimitsA - Dwelling HO3 or DP3 Minimum Coverage A $150,000 available on DP3 and HO3 forms; Wind available subject to location; Replacement cost on dwelling available; High Value condoHO6 Additions and alterations coverage from 20,000 to 10,000,000 or higher with corporate approvalPersonal Articles FloaterStand-alone coverage; No maximum schedule; No deductible option available; $250 minimum earned premiumHomeowners & Personal Articles ProgramsAdditional InformationSupplemental information may be required to properly underwrite certain risks.

7 Some examples are: homes over 34; corporate or LLC owned homes; home owned in trust; builder s risk. The supplemental applications may be downloaded from the Agent Resources section of our website. | 877-326-8080 | to Get a Quote1234To receive a quote, please visit our website the Agent Resources tab and download the application or fax the completed application, along with any supporting documentation to the Specialty Underwriting Team for underwriter will return the quote to you with any required documents for binding. Vacant home/condo Homes for sale Speculative homes Homes bought from foreclosure/short sale Prior losses/liability loss Older home with updates Tough dog breed - animal exclusionPrimary, Secondary, & Seasonal HomeownersPrinted: March 8, 2016 Coverage LimitsCPL/Excess CPLS tandalone Comprehensive Personal Liability with $100,000, $300,000, $500,000 or $1,000,000 CSL available; Medical available $1,000, $2,000 or $5,000 medical available.

8 $250 Deductible per occurrenceUMB/Excess UMB$1M to $10M umbrella limits available; programs for less-than-per-fect, youthful, or elderly drivers available; Drop-down over Citizens Property Insurance Corporation liability limit availableLuxury Yacht ProgramYacht$750,000 to $10,000,000 in hull Value available; Admitted Mar-ket; Broad All Risks coverage; Deductible-free coverage offerings; Charter coverage available; Broad navigational limits; Custom coverage for high-end sportfish boatsLiability programs