Homeowners

Wipe your feet on the competition with this program designed for primary or secondary owner-occupied one or two family dwellings, condominiums and townhouses with values up to $1,000,000.

Contact your Underwriter at Sovereign or info@sovereignins.com or 800-843-0843

About Our Agency

Sovereign serves insurance professionals in New York, New Jersey, Pennsylvania & Massachusetts. All programs are not available in all states.

Coverages Available

  • Homeowner Special Form HO-3
  • Homeowner Modified Coverage Form HO-8
  • Homeowner Unit-Owners (Condo) Form HO-6
  • Homeowner Contents (Renters) Broad Form HO-4
  • Extended replacement cost up to 125%
  • Identity Fraud Expense-$15,000 in coverage
  • Water Back-up and Sump Discharge or Overflow up to $25,000

Coverage Options

  • Replacement Cost Coverage (Dwelling & Personal Property)
  • Extended Liability for other owned properties
  • In home business supplemental coverage(limited exposures)
  • Inland Marine supplemental coverage (cameras, guns, fine arts, furs, jewelry, silver, musical instruments)

Guidelines

(Additional state specific guidelines may apply)

  • Insurance to value is required to be 100% of ACV or Replacement Cost, whichever applies
  • A complete, signed application is necessary to bind coverage
  • Photos required on all accounts
  • Inspections required on most accounts
Effective Date: 10/29/2015