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.

Underwriting Rules

May Effect Eligibility:

  • Homes with unfenced swimming pools
  • Accounts with any type of loss exceeding $10,000

Prohibited Business

  • Dwellings with three or more mortgages
  • Bankruptcy/Foreclosure/Repossession within the past three years
  • Risks with any type of space heaters or wood, pellet, kerosene, or coal burning stoves as primary source of heat
  • Home daycare with pool
  • Risks with any domestic, guard, or vicious animals. Prohibited dog breeds include but are not limited to Chows, Pit Bulls (Staffordshire Terrier, Bull Terrier), Dobermans, Rottweillers and Wolf Hybrids
  • Builders Risk/Course of Construction (refer to Dwelling Fire Program)
  • Corporate-owned property (refer to Dwelling Fire Program)
  • Farm or Ranch Properties (refer to Farm & Ranch Program)
  • Mobile Homes (refer to Mobile Home Program)
  • More than three losses within past three years (refer to Dwelling Fire Program)
  • Vacant or Unoccupied Properties (refer to Dwelling Fire Program)
Effective Date: 10/29/2015