Ramsgate Insurance, Inc.

Mid Value Homes

When it comes to Personal Lines, the new, the unique and the rare are a Ramsgate specialty. When standard markets decline risks, as other insurers abruptly come and go from these lines, Personal Lines insurance delivers. We consistently bring to market competitively priced solutions for unusual mid to high-value or high-risk personal lines exposures. We will consider any risk and can handle almost every risk.
Mid Value Homes Available in WY, MT, ND, SD, and CO Acord Homeowners/Dwelling Fire applications accepted Products Available: HO-4: Tenant Policy Maximum contents limit of $75,000 Maximum liability limit of $100,000 No replacement cost available Special Terms & Exclusions: Swimming pools, hot tubs & spas to be fenced (minimum fence height 6ft) and have automatically locking gate or to be inside the residence, with maximum limit of liability for this exposure $25,000 as per HO-320. Communicable Disease exclusion Lead Contamination Exclusion Animal Exclusion Mold & Mildew Exclusion Terrorism Exclusion Loss of Use Excluded Water Damage (Seepage or Leakage) Excluded Earth Movement Excluded DP-1: (Named Perils based on ACV) 80% Coinsurance 1-2 Family Dwellings -Owner & Tenant Occupied / Seasonal Dwellings (Liability Excluded) Special Terms & Conditions: Communicable Disease exclusion Lead Contamination Exclusion Animal Exclusion Mold & Mildew Exclusion Terrorism Exclusion Water Damage (Seepage or Leakage) Excluded Earth Movement Excluded DP-1 Vacant: 1-2 Family Dwellings (Fire & EC) 80% Coinsurance V&MM Optional: Must be visible to neighbors $1,000 deductible applies Not available on homes in PC 8,9, 10 Must have updates within last 25 years Actual cash value only Liability Optional: $50,000 or $100,000 limits available Policy Terms Available: 3 month: Premium fully earned 6 month: 50% of premium earned 12 month: 25% of premium earned Special Terms & Conditions: PC 1-10 Communicable Disease exclusion Lead Contamination Exclusion Animal Exclusion Mold & Mildew Exclusion Terrorism Exclusion Water Damage (Seepage or Leakage) Excluded Earth Movement Excluded HO-8A: (Named Perils based on ACV) 80% Coinsurance 1-2 Family Dwellings - Owner Occupied, Seasonal Dwellings Homes over 25 years old acceptable for this program with updates within last 25 years. Special Terms & Conditions: Swimming pools, hot tubs & spas to be fenced (minimum fence height 6ft) and have automatically locking gate or to be inside the residence, with maximum limit of liability for this exposure $25,000 as per HO-320. Communicable Disease exclusion Lead Contamination Exclusion Animal Exclusion Mold & Mildew Exclusion Terrorism Exclusion Loss of Use Excluded Water Damage (Seepage or Leakage) Excluded Earth Movement Excluded HO-3: (Broad Form replacement cost value) 80% Coinsurance 1-2 Family Dwellings - Owner occupied, Seasonal Dwellings Home must be less than 25 years old for this program. Special Terms & Conditions: Swimming pools, hot tubs & spas to be fenced (minimum fence height 6ft) and have automatically locking gate or to be inside the residence, with maximum limit of liability for this exposure $25,000 as per HO-320. Communicable Disease exclusion Lead Contamination Exclusion Animal Exclusion Mold & Mildew Exclusion Terrorism Exclusion Loss of Use Excluded Water Damage (Seepage or Leakage) Excluded Earth Movement Excluded