Available HO Forms: 3, 4(Tenant), 5, 6(Condo)

Admitted & Non-Admitted Carriers

No minimum or maximum limits on coverage A



Competitive pricing!

We've successfully underwritten...

• High-Value, Hard to Place Homes
• Seasonal Homes with Out-of-State Owners
• Coastal Properties
• Homes with Lapses in Coverage
• Built Prior to the Year 1900
• Homes Under Minor Renovations/Repairs
• Homes with Pool & Diving Board
• Tenant Occupancy
• Protection Class 9 Homes
• Dogs on the Prohibited Dogs List

Dwelling Fire Coverage on 1 to 4 Families

• Written on Business Owners Policy, Personal Lines Policy or Commercial Lines Package
• Multi-Locations on One Policy
• Lead Certificate Not Required (for most markets)
• Actual Cash Value or Replacement Cost Value

Liability Limits Up to $1,000,000

Forms are DP-1 & DP-3

Our Markets Can Consider:

• Subsidized Housing
• Short Term Rentals
• Locations with Pools
• Locations with Woodstoves
• Flat Roofs
• Locations Without Heat

Available Limits

• Building & Contents - $5M combined on any one building
• Business Income - $500,000

Program Benefits

• Replacement Cost coverage for building & contents
• Ability to schedule multiple locations into one policy
• Competitive rates based on tier county locations
• Policy wording accepted by Lenders
• Basement coverage available for positively elevated A or V zones only

Waiting Periods

• No waiting period for mortgage loan closings

Eligible Properties

• Residential & Commercial buildings
• Can write a primary $5M and excess of $45M

Coverages Available

• Buildings and Contents coverage mirrors the NFIP form and is Lender Compliant
• Business Income/Rental Value (including Extra Expense)
• Contents Only

Angel Vega

Personal Lines Underwriter

Josh Makles

Personal Lines Underwriter

Fully completed applications are serviced the quickest!

Joseph Krar & Associates, Inc. | www.jkrar.com

p (860) 628-3967 f (860) 628-3969

P.O. Box 580 1676 West St., Southington, CT 06489