FLORIDA
Commercial Residential Windstorm
Risks
- Condominium Associations
- Homeowners Associations
- Apartment Complexes
Products
- Windstorm & hail
- Coverages A - C
- O&L sublimits available
- Business Income
Limits
- Max TIV limit: $10,000,000
- Ground up, Excess or Primary
Eligible Territories
- Florida windpool eligible zone
Commercial Non-Residential Windstorm
Risks
- Office Towers
- Hotels/Motels/Condo-tels
- Timeshare Complexes
- Retail & Storage
- Municipal Buildings
- Schools & Universities
- Churches / Temples / Synagogues
Products
- Windstorm & hail
- Coverages A - C
- O&L sublimits available
- Business Income
Limits
- Max TIV limit: $10,000,000
- Ground up, Excess or Primary
- First Loss
Eligible Territories
- Florida - within 10 miles of coast
Personal Residential Windstorm (Prime)
Risks
- Homeowners
- Dwellings
- Renters
- Condo Unit Owners
Products
- Windstorm & hail
- Coverages A - D
- O&L - includes statutory limit
- Wind-Driven Rain
Limits
- HW2:
- Min Coverage A limit: $25,000
- Max Coverage A limit: $4,000,000
- HW6:
- Min Coverage A limit: $1,000
- Max Coverage A limit: $4,000,000
- HW4:
- Min Coverage A limit: $6,000
- Max Coverage A limit: $4,000,000
- DW2:
- Min Coverage A limit: $25,000
- Max Coverage A limit: $4,000,000
Eligible Territories
- Prime
- Coastal Counties
- Assumed takeout policies
- Windpool eligible zone only
TEXAS
Commercial Windstorm
Risks
- Condominium Associations
- Homeowners Associations
- Apartment Complexes
- Office Towers
- Hotels/Motels/Condo-tels
- Timeshare Complexes
- Retail & Storage
- Municipal Buildings
- Schools & Universities
- Churches / Temples / Synagogues
Products
- Windstorm & hail
Limits
- No maximum limits
- Ground up, Excess or Primary
Eligible Territories
- All TWIA eligible coastal counties and the majority of Harris county including Houston
Personal Residential Windstorm
Risks
- Homeowners
- Dwellings
- Renters
- Condo Unit Owners
Products
- Windstorm & hail
Limits
- No maximum limits
Eligible Territories
- All TWIA eligible coastal counties and the majority of Harris county including Houston
Personal Homeowners (Premier)
Risks
- Homeowners
- Renters
- Condo Unit Owners
Products
- Windstorm & Hail
- Liability
- Fire
- Water
- Scheduled Property
Endorsement Highlights
- Seepage & Leakage
- Foundation Coverage
- Water back up & Sump Overflow
- Equipment Breakdown
- Animal Liability
Limits
- HO3:
- Min Coverage A limit: $125K
- Max Coverage A Limit: $1.5M
- H04:
- Min Coverage C Limit: $20K
- Max Coverage C Limit: $150K
- HO6:
- Min Coverage A Limit: $20K
- Max Coverage A Limit: $350K
Eligible Territories
- Counties in Tier 1 & 2
LOUISIANA
Personal Homeowners (Premier)
Risks
- Homeowners
- Renters
- Condo Unit Owners
Products
- Windstorm & Hail
- Liability
- Fire
- Water
- Scheduled Property
Endorsement Highlights
- Extended Replacement Cost
- Water back up & Sump Overflow
- Animal Liability
- Service Line
- Equipment Breakdown
Limits
- HO3:
- Min Coverage A limit: $150K
- Max Coverage A Limit: $1.5M
- H04:
- Min Coverage C Limit: $25K
- Max Coverage C Limit: $150K
- HO6:
- Min Coverage A Limit: $20K
- Max Coverage A Limit: $300K
MISSISSIPPI
Personal Residential Windstorm
Risks
- Homeowners
- Dwellings
- Renters
- Condo Unit Owners
Products
- Windstorm & hail
Limits
- No maximum limits
Eligible Territories
- The Lower Six: George, Hancock, Harrison, Jackson, Pearl River and Stone counties
