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HOMEOWNERS

HOMEOWNERS. To be used as a Supplement to the Florida General Lines Manual © American Marketing Management and Motivations Services, Inc 813 514 6982. HOMEOWNERS.

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HOMEOWNERS

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  1. HOMEOWNERS To be used as a Supplement to the Florida General Lines Manual © American Marketing Management and Motivations Services, Inc 813 514 6982 © American Marketing Management and Motivations Services, Inc

  2. HOMEOWNERS Dollar for dollar , coverage for coverage one of the BEST buys on the insurance market today is Homeowners Coverage! Homeowners is a package policy consisting of both protection from Property loss and from Liability claims arising from residences and personal activities. © American Marketing Management and Motivations Services, Inc

  3. HOMEOWNERS • Homeowners program is designed for • Personal; • Nonbusiness risk • Eligibility • Owner-occupants of 1-4 family dwellings; • Renters who maintain residential occupancy in any type of building; • Condominium unit owners and cooperative apartment occupants. © American Marketing Management and Motivations Services, Inc

  4. HOMEOWNERS With the exception of the “Renters Policy” and the owner of a condo renting to another, the Homeowner policies are for “natural” persons who own AND occupy the dwelling. Note we said “natural” persons, we EXCLUDE corporations, partnerships, estates or trusts. © American Marketing Management and Motivations Services, Inc

  5. HOMEOWNERS Included are InsurEDs are those who occupy a residence and is a purchaser by “Contract”, “Contract for Deed” or “Land Sales Agreement”. And those who have a a life estate arrangement InsurEDs under the policy include the person named, residing spouse, residing relatives of either, and any person under age 21 in the care of any such person. Under Section II Liability the definition is yet expanded to include, any person who is legally liable for animals or watercraft owned by an insured is afforded coverage (unless such custody is without the owner's permission). © American Marketing Management and Motivations Services, Inc

  6. HOMEOWNERS – Types The six different Homeowners forms: • HO-2 Broad Form • HO-3 - Special Form • HO-4 - Contents Broad Form (Apartment Dwellers Coverage) • HO-5 - Comprehensive Form • HO-6 - Unit-Owners Form (Condominium or Cooperative Apartment Coverage) • HO-8 - Modified Coverage Form © American Marketing Management and Motivations Services, Inc

  7. HOMEOWNERS – Types The six different Homeowners forms: • HO-2 Broad Form – Not commonly used • HO-3 - Special Form • HO-4 - Contents Broad Form (Apartment Dwellers Coverage) • HO-5 - Comprehensive Form • HO-6 - Unit-Owners Form (Condominium or Cooperative Apartment Coverage) • HO-8 - Modified Coverage Form © American Marketing Management and Motivations Services, Inc

  8. HOMEOWNERS – Types The six different Homeowners forms: • HO-2 Broad Form – Not commonly used • HO-3 - Special Form • HO-4 - Contents Broad Form (Apartment Dwellers Coverage) • HO-5 - Comprehensive Form • HO-6 - Unit-Owners Form (Condominium or Cooperative Apartment Coverage) • HO-8 - Modified Coverage Form © American Marketing Management and Motivations Services, Inc

  9. HOMEOWNERS – Types Designed for owner-occupants of one to four-family dwellings • HO-2 Broad Form • HO-3 - Special Form – Most common • HO-5 - Comprehensive Form • HO-8 - Modified Coverage Form © American Marketing Management and Motivations Services, Inc

  10. END Demo Homeowners there are 46 Homeowner Slides…. If you think these programs will help you Click Here to Order © American Marketing Management and Motivations Services, Inc

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