Homeowners Insurance

December 1, 2009

Coverage Comparison Chart

Many different homeowners forms are compared in the chart printed in the following pages. The chart represents a comparison of a standard coverage form—the HO-3. The company forms compared are:

- Amica Mutual Group

- Fireman's Fund

- Montgomery Mutual Insurance Company

- Erie Insurance

- Central Mutual

- Travelers Property Casualty

 

 

Amica

Fireman's Fund

Montgomery Mutual

Erie

Central Mutual

Travelers

Does insurer write in all states?

Y

Y

N

N

N

N

Do insurer forms differ from ISO?

Y

Y

Y

Y

N

Y

If independently filed forms used, differ significantly from ISO?

Y

Y

Y

Y

N/A

Y

Does insurer offer a preferred-type homeowners policy?

Y

Y

N

Y

Y

Y

Does insurer offer a nonstandard homeowners policy?

N

N

N

N

N

N

Does insurer offer “replacement cost” settlement?”

Y

Y

Y

Y

Y

Y

Does insurer offer a combination (both auto and homeowners) policy?

N

N

N

N

N

N

Can identity theft coverage be purchased?

Y

Y

Y

Y

Y

Y

Will the insurer write green upgrade coverage?

N

Y

N

N

N

N

Are independently-filed rating credits offered?

Y

Y

Y

Y

Y

Y

Does insurer write earthquake coverage?

Y

Y

Y

Y

Y

Y