- Homeowners Policies: Low-Value and Nonstandard
Specialty carriers have developed homeowners and tenants package policies for low-value and nonstandard dwelling risks in distressed areas to counter competition from urban area or statewide Fair Access to Insurance Requirements (FAIR) Plans. FAIR Plans do not offer “package” coverage on residential property. Property coverage is usually written on a named peril basis and is combined with personal liability in a single policy. Deductibles are mandatory. Premiums charged are higher than in the standard market and some policies are written under various state consent-to-rate requirements.
Specialty Agent Locator for Homeowners Policies: Low-Value and Nonstandard
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