A CONIFER HOLDINGS COMPANY

Personal Lines

PersonalLines-Content
Conifer offers a wide range of personal lines policies to fit your specific needs. We offer flexibility in our Homeowners, Dwelling Fire, and Vacant programs for those who show Pride in Ownership with a range of Covered Perils, Value Limits, and Deductibles. Conifer’s automated online rating provides quick response time on new business quotes with direct contact to the underwriters.

For more information, please contact Lindsay Wilcox at:
Direct: (877) 262-9337
Email: MidwestHome@coniferinsurance.com

1/4/2016: Conifer Insurance is complying with the attached Suspension of Cancellation, Non-renewal and Premium Payments Bulletin for the State of Illinois.
1/11/2016: Revised Bulletin.

Standard Homeowner

Included coverages on Standard Form policies: Fire & Lightning, Windstorm or Hail, Explosion, Riot or Civil Commotion, Aircraft, Vehicles, Smoke, Vandalism and Malicious Mischief, Burglary or Theft, Breakage of Glass, Falling Objects, Weight of Ice & Snow, Accidental Discharge or Overflow of Water or Steam, Sudden and Accidental Tearing Apart, Cracking, Burning, or Bulging, Freezing, Sudden Accidental Damage from Artificially Generated Electric Current, Volcanic Eruption

HO3R & HO3A Special Form

Includes additional coverages for All Perils excluding Flood, Earthquake, War, Nuclear Accident, and other specified exclusions are covered for Coverage A & B Only.

  • $75,000 Minimum Value
  • $500,000 Maximum Value
  • 80-100% Replacement Cost
  • Up to 2 Past Claim Losses
  • Deductible options $1,000-$10,000
  • 1-2 Family Dwellings
  • Dwellings < 40 years of Age for HO3R
  • Dwellings < 60 years of Age for HO3A
  • $100,000-$500,000 Liability
  • $1,000-$5,000 Medical Payments

HO2B Broad Form:

Available in Indiana Only

  • $75,000 Minimum Value
  • $500,000 Maximum Value
  • 30-100% Functional Replacement Cost
  • Up to 3 Past Claim Losses
  • Deductible options $1,000-$10,000
  • 1-2 Family Dwellings
  • Dwellings < 100 years of Age
  • $100,000-$500,000 Liability
  • $1,000-$5,000 Medical Payments
  • Townhouses eligible on this policy form only

HO4 Renters:

  • $20,000 Minimum Value
  • $75,000 Maximum Value
  • 80-100% Replacement Cost
  • Up to 2 Past Claim Losses
  • Deductible options $500-$5,000
  • $100,000-$500,000 Liability
  • $1,000-$5,000 Medical Payments

Non-Standard Homeowner

HO8 Basic Form

Included coverages: Fire & Lightning, Windstorm or Hail, Explosion, Riot or Civil Commotion, Aircraft, Vehicles, Smoke, Vandalism and Malicious Mischief, Burglary or Theft up to $1,000 limit on premises, and Breakage of Glass up to $50 limit

  • $20,000 Minimum Value
  • $300,000 Maximum Value
  • Actual Cash Value
  • Deductible options $1,000-$10,000
  • 1-4 Family Dwellings
  • $50,000-$500,000 Liability
  • $500-$1,000 Medical Payments
  • Optional additional coverages are available exclusively for HO8 form detailed below (or where ever lands on the page)

HO8 Plus Endorsement Additional Perils and Coverages:

Includes additional perils listed below:

  • Freezing objects, Weight of Ice, Snow, and Sleet
  • Breakage of Glass Limit increase to $750
  • Freezing
  • Sudden and accidental damage from artificially generated electrical current
  • Sudden and accidental tearing apart, cracking, burning or bulging of a steam or hot water heating system, air conditioning or automatic fire protective system, or an appliance for heating water
  • Burglary and Theft Limit increased to $2,000

Applies to dwellings with a value of $50,000 or higher.

Personal Property Replacement Cost Endorsement: Must purchase the HO8 “Plus” Endorsement
– Changes coverage on Contents/Personal Property from ACV coverage to Replacement Cost coverage.

Dwelling Fire

DP1 Basic Form

Included coverages: Fire & Lightning, Windstorm or Hail, Explosion, Riot or Civil Commotion, Aircraft, Vehicles, Smoke, and Breakage of Glass up to $50 limit

  • Optional Vandalism and Malicious Mischief coverage for an additional premium
  • $10,000 Minimum Value
  • $500,000 Maximum Value
  • Actual Cash Value
  • Deductible options $1,000-$10,000
  • Dwellings < 100 years of Age
  • 1-4 Family Dwellings
  • $25,000-$500,000 Liability for Additional Premium
  • $500 Medical Payment Limits for Additional Premium

DP3 Special Form

Included coverages: Fire & Lightning, Windstorm or Hail, Explosion, Riot or Civil Commotion, Aircraft, Vehicles, Smoke, Vandalism and Malicious Mischief, Burglary or Theft, Breakage of Glass, Falling Objects, Weight of Ice & Snow, Accidental Discharge or Overflow of Water or Steam, Sudden and Accidental Tearing Apart, Cracking, Burning, or Bulging, Freezing, Sudden Accidental Damage from Artificially Generated Electric Current, Volcanic Eruption, and All Perils excluding Flood, Earthquake, War, Nuclear Accident, and other specified exclusions are covered.

  • $50,000 Minimum Value
  • $500,000 Maximum Value
  • 80-100% Replacement Cost
  • Up to 2 Past Claim Losses
  • Deductible options $1,000-$10,000
  • Dwellings < 60 years of Age
  • 1-4 Family Dwellings
  • $25,000-$500,000 Liability for Additional Premium
  • $500 Medical Payment Limits for Additional Premium

Vacant

Included coverages: Fire & Lightning, Windstorm or Hail, Explosion, Riot or Civil Commotion, Aircraft, Vehicles, and Smoke.

  • Optional Vandalism and Malicious Mischief coverage for an additional premium
  • $15,000 Minimum Value
  • $500,000 Maximum Value
  • Market Value
  • Deductible options $1,000-$10,000
  • 1-4 Family Dwellings
  • $50,000-$500,000 Liability for Additional Premium
  • Must be fully secured dwelling
  • Eligible under construction only if it is minimal cosmetic renovations

Excluded Risks:

Modular, Mobile, or Manufactured dwellings, properties over 5 acres of land, dwellings with farm animals/farming equipment on premises, unfenced pools, trampolines, Commercial buildings/risk, Knob & Tube electrical, and dwellings with under 100 amp electrical service.

Personal Lines Insurance is available in all states shown in green.

 
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