Coverages
Home characteristics
Fulfillment
Progressive home
Homesite
100
What do you offer with every quote?
What is a Package
100
What are the typical home types for a home built in Ohio, Michigan, Illinois and other midwestern states.
What is Bungalow, Colonial, Ranch/Rambler
100
Do not send quotes to fulfillment if they have these 3 things.
what are quotes
1. That require OR are waiting on underwriting approval, underwriting referrals, or point referrals.
2. For processing on Fridays or Saturdays when a policy effective date is next day.
3.For Processing after 6 pm EST when policy is effective same day.
100
Are Hot tubs acceptable?
What is Yes if they are protected by a secured cover or Locking fence at least 4ft high.
100
Is a Pit Bull accepted in Homesite?
Is a German Shepard Police dog accepted in Homesite?
Yes a Pit Bull is accepted...Dog breed is no longer a required question in HQX. It is not used as rating factor nor is any breed unacceptable. Homesite will not allow a DNQ or surcharge for any dog breeds.
No A police dog is not accepted...
The following dogs are unacceptable:
- Guard or police dogs.
When the dog only bites on command, they are still unacceptable.
- Previous bite history.
Illinois: Dog must be determined vicious & dangerous by a governmental entity to be deemed unacceptable even if the dog has bite history.
- Deemed dangerous by governmental entity.
Customer would have received a notice/citation from their local government OR police if their dog was deemed dangerous.
200
What is the one coverage you must mention that is not included with our policies.
What is flood coverage
200
What is the exterior material on a home that is partly wood, partly cement. It is also known as Fiber cement siding, which means that it is a combination of cellulose fibers, along with cement-like materials.
What is Hardiplank
200
Can an agent send a quote to fulfillment with and approximate closing date?
What is No The customer must disclose a complete closing date, month, day year. Example if customer states closing is in early May, this is approximate and should not be sent to fulfillment.
200
If customer owns or operates a ATV, Snowmobile or dirt bike is that acceptable with Progressive home?
Policy is unacceptable unless customer has a separate policy for the ATV, dirt bike, snowmobile, &/or UTV.
Maine, Maryland, Michigan, Nevada, Oregon, Pennsylvania, Tennessee, Utah, & Virginia: Separate policy is not required.
200
Is Business done at the property an acceptable risk?
- Incidental business exposure is acceptable.
- Customer traffic may not exceed 2 visitors per week. Any business exceeding this level of visitors does not qualify for the program.
Customers with a small business may qualify if the Home Business Endorsement is purchased, except in the following states.
- A daycare is an unacceptable risk (
Kentucky, Maine, Maryland, Michigan, Minnesota, Oregon, & Washington: Refer to In-home Daycare procedures.).
300
What are the three endorsement in a home policy we are requried to have on a policy?
What are
Replacement cost on personal property
Increased replace cost on dwelling
Water back up
300
Where would you recommend your customer to look to see what type of plumbing, they have?
What are the pipes coming out of the top of hot water tank?
300
When do you send a quote for binding to fulfillment?
What is when
- Mortgagee clause is needed to issue policy, OR
- Both Mortgagee Clause AND payment is needed to issue policy. Fulfillment processor will call customer for payment after obtaining mortgagee clause.
- Incomplete Mortgagee Clause/Loan number only required.
300
How is the multi policy discount applied to a home policy and who is eligible to get the discount?
- When applying the discount, select Bodily Injury (BI) limits from the Progressive Personal Auto policy when required.
Discount varies based on BI limits.
California: Discount applies but is not based on Progressive Auto BI limits.
Massachusetts: Discount should be based on Part 5 the optional BI limit.
- When customer does not have a Progressive Personal Auto policy: Select "None" in the Package Policy Discount field.
- Do not select discount with Platinum Endorsement. This endorsement is for independent agents only.
- --------------
- Both of the following must apply, customer must be listed as:
- Named insured or spouse on the Progressive Auto policy.
- Named insured or co-applicant on the Progressive Home policy.
- Discount does not apply when customers only Progressive policy is:
- Special Lines policy.
- Commercial Auto.
300
Are there any specific requirements if the property has a pond on it?
what is No
A pond is counted as part of the land. There are no specific requirements around a pond on the property.
400
What are 2 endorsements that you need to disclose if they are not on policy?
What is animal liability and matching of undamaged roof and siding.
400
If customer is unsure of the type of roof they have, can you bind the policy?
What is, yes, it is acceptable to bind a policy as long as you keep it coded as Architectual.
400
Where do you send a fulfillment case?
What is MPX 360
400
Does an agent (You) have authority to increase Coverage A? (Not with extended replacement cost) Just change the number of Coverage A.
Agents can increase Coverage A up to additional 25% above Replacement Cost Estimator (RCE).
400
We ask about trusts in HQX. In homesite what are the other finance types we ask that are specific to homesite?
Do you have an Estate, LLC or LLP on the Deed.
500
If customer has any type of HOA, we must include and educate about this coverage.
What is loss assessment
500
What year do you quote a home built if a new home was constructed on a pre-existing foundation?
What is Code year of foundation as year built.
500
Where do you find tasks you need to complete from fulfillment?
What is HQX under task tab.
500
Brother & sister purchase a home & are both on the deed. Brother will occupy the home, but the sister will not. How should they be listed on the Insurance Documents?
The brother should be listed as the first named insured & the sister should be listed as an additional insured. (Primary/additional Named Insured)
500
Can you increase other structures in Homesite?
Yes, after you bridge to homesite in coverages there is an endorsement to increase Cov B. This is in addition to the already given Cov B Amount.
Example:
- Dwelling replacement cost (Coverage A): $100,000
- Other Structures (Coverage B): $10,000
- (HO 04 48) Increased Other Structures Limits Endorsement: $10,000
- Maximum total coverage available for all other structures: $20,000 (Coverage B + Endorsement)