Monoline Property
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
Understanding Protection Classes
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
To quote property at Pathpoint, enter the basic property info, including the address, square footage, and number of stories.
Next you will notice expandable sections to reorganize the questions by a common theme. (Occupancy, Safeguards, Construction & Updates, Coverages, and Claims)
The number of questions completed per section will be shown on the right to ensure completion.
When you’re done, hit Next
Watch a Demonstration
Full Monoline Property Quote
Monoline Property Question Set
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