Hard-To-Place: Substandard Fire Insurance Placement
Coverage is available in our Substandard Fire Insurance Program for all types of properties - both Commercial and Personal. Do you have a risk that does not fit in the Regular Market “Box”? At UCAI, we insure many non-traditional risks including:
- Stand Alone Vacant Dwellings
- Stand Alone Seasonal
- Rented dwellings
- Bars
- Rooming Houses
- Properties lacking in updates
- Risks cancelled for Non-payment
- Risks with higher claims frequency
We can write all of these types of risks and more. You will find that our prices are competitive with other companies in the substandard market, and our service to be the best.
Additional Benefits
Our application does not require the insured's signature, and coverage can be quoted and bound with the application simply faxed to our office.
The policy will be issued within 1 week of UCAI receiving the Application.
We have annual, 6-month, and 3-month policy terms available.
Our Minimum Policy Premium is $350 and Minimum Retained Premium is $250.00.
Coverage Available
Buildings, Contents and Equipment
- Fire & Extended Coverage (no vandalism on vacant or unoccupied risks)
- In-house capacity for up to $1,000,000 (we need extra time to arrange higher limits, but it can be done)
- Minimum Deductible is $1000.00 - credits are available for higher deductibles
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