Monoline Property

Edited

Available Classes

Appetite Information

Markets

Ineligible Classes

Additional Resources

Step by Step Instructions

Watch a Demonstration

Related Articles


Available Classes

  • 1-4 family dwellings

  • Apartments Bars

  • Arts, Entertainment, and Recreation (including museums, theaters, bowling alleys, cinemas)

  • Civic, non-profit, and social clubs

  • Daycares

  • Healthcare

  • Hotels/motels

  • Governmental organizations or buildings

  • Mixed occupancies

  • Lessor’s risk

  • Offices

  • Mercantile

  • Restaurants

  • Schools

  • Warehousing

  • Wholesaling


Appetite Information:

  • Up $3.3M per location/ $5.6 M per policy in lower 48 states and D.C.

  • Up to $10M per location/per policy for AL, FL, GA, LA, MS, SC, and TX

  • No coastal restrictions - terms automatically set based on the distance to coast

  • Construction year as early as 1850

    • Buildings prior to 1900 require system upgrades within the last 30 years

  • Earthquake available, including parts of California (not available in OK or KS)

Features:

  • Separate deductibles for wind, hail, or earthquake

  • Wind deductibles as low as 1%

  • Ability to offer special form and replacement cost for eligible buildings


Markets:

  • Westchester

  • Vave

  • Velocity


Ineligible classes:

  • Agriculture (including barns, poultry farms etc)

  • Assisted Living

  • Mining, Quarrying, and Other Extractive Industries

  • Utilities

  • Construction (Builders Risk/On-going)

  • Manufacturing

  • Transportation

  • Waste Management

  • Religious Organizations (including churches)

  • Governmental Subsidized Rentals

  • Automotive Repair, Maintenance and Sales

  • Student Housing

  • Personal Lines HO-3, Renters, Condos

  • Construction type listed as "other"

  • Electric types listed as fuses

Ineligible zip codes for monoline property coverage with Vave:

  • 90008, 90024, 90027, 90031, 90041, 90042, 90046, 90049, 90056, 90065, 90068, 90069, 90077, 90095

  • 90210, 90232, 90263, 90265, 90272, 90274, 90275, 90290

  • 90402, 90505, 90601, 90602, 90603, 90605, 90631, 90704, 90732

  • 91001, 91006, 91008, 91010, 91011, 91016, 91020, 91024, 91040, 91042

  • 91103, 91105, 91107

  • 91201, 91202, 91206, 91207, 91208, 91214

  • 91301, 91302, 91304, 91307, 91311, 91316, 91320, 91321, 91326, 91342, 91344, 91350, 91351, 91352, 91354, 91355, 91356, 91360, 91361, 91362 ,91364, 91367, 91377, 91381, 91384, 91387, 91390

  • 91403, 91423, 91436

  • 91501, 91504,91522

  • 91604, 91608

  • 91701, 91702, 91706, 91709, 91711, 91724, 91733, 91737, 91740, 91741, 91745, 91746, 91748, 91750, 91759, 91765, 91766, 91768, 91773, 91784, 91789, 91791, 91792

  • 91901, 91902, 91905, 91906, 91911, 91913, 91914, 91915, 91916, 91917, 91932, 91934, 91935, 91941, 91942, 91962, 91963

  • 33921, 33924, 33957, 33931, 34134


Additional Resources

Appetite Guide

Understanding Protection Classes

FEMA Website

Commercial Property Coverages Map

Property Coverage Postcard for Agents

Property Coverage Postcard for Agents (Southern States)

  • Download and utilize as provided or personalize it with your agency details and logo using any graphic design software, PDF editor, or Word document. Just fill in your information in the designated blue boxes


Step by Step Instructions

  1. To quote property at Pathpoint, enter the basic property info, including the address, square footage, and number of stories.

  2. Next you will notice expandable sections to reorganize the questions by a common theme. (Occupancy, Safeguards, Construction & Updates, Coverages, and Claims)

  3. The number of questions completed per section will be shown on the right to ensure completion.

  4. When you’re done, hit Next


Watch a Demonstration

Full Monoline Property Quote

Monoline Property Question Set


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