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Recent Hits

A snapshot of some of the policies we have recently written. 

Earthquake

Location Year Built Construction Occupancy Limit Account Description Rate Status
Fairbanks-north Star Borough, AK 2004 Wood Frame Health Care Services $2.03M Full Limits  $0.24 Renewal
Clark, WA 1955 Wood Frame Government/Public Building $6.09M Full Limits  $0.17 Renewal
Benton, OR 1961 Reinforced Masonry Apartment $.43M Full LImits  $0.31 Renewal
Lewis, WA 2023 Wood Frame Agriculture $1.66M Full Limits  $0.07 Renewal
Anchorage Borough, AK 1982 Reinforced Concrete Office $4.7M Full Limits  $0.29 Renewal

Location Year Built Construction Occupancy Limit Account Description Rate Status
Stanislaus, CA 1990 Steel Frame Warehouse $9.9M Full Limits  $0.05 New
Sacramento, CA 2001 Reinforced Masonry Restaurant $5.76M Full Limits  $0.04 Renewal
San Luis Obispo, CA 1999 Steel Frame Warehouse $2.58M Full Limits  $0.14 Renewal
Riverside, CA 1970 Wood Frame Church $1.26M Full LImits  $0.10 New
Kings, CA 1985 Wood Frame Gasoline Service Stations $140K Full Limits  $0.06 Renewal

Location Year Built Construction Occupancy Limit Account Description Rate Status
Missoula, MT 1996 Wood Frame Hotel/Motel $16.87M Full Limits  $0.05 Renewal
Ada, ID 2010 Wood Frame Health Care Services $10.1M  Full Limits  $0.05 New
Douglas, NV 2016 Reinforced Masonry Manufacturing $5.3M Full Limits  $0.07 New
Salt Lake, UT 1987 Reinforced Masonry Restaurant $1.36M Full LImits  $0.42 New
Washoe, NV 2002 Brick Veneer Retail $140K Full Limits  $0.13 Renewal

Location Year Built Construction Occupancy Limit Account Description Rate Status
Craighead, AR 2009 Brick Veneer Service $15.59M Full Limits  $0.10 Renewal
Rutherford, TN 1975 Reinforced Masonry Wholesale $10.8M Full Limits  $0.08 New
Marshall, KY 1980 Steel Frame Warehouse $6.13M Full Limits  $0.07 New
St. Louis, MO 2011 Wood Frame Restaurant $1.41M Full LImits  $0.09 Renewal
Macoupin, IL 2005 Wood Frame Warehouse $900K Full Limits  $0.04 Renewal

Wholesale Commercial Wind

Less than $5M
 

Location Year Built Construction Occupancy Limit Account Description Rate DTC
Polk, FL 2005 Masonry Non-Combustible Restaurant $1.05M BI, BPP, APC Only $0.58 37.50
Lee, FL 2005 Masonry Non-Combustible Office $206K BI, BPP, APC Only $1.33 3.68
St. Johns, FL 2009 Masonry Non-Combustible Government/Public Building $1.99M  Full Limits $0.24 3.68
Walton, FL 2006 Light Metal Frame Construction/Contractors $970K Full Limits $0.79 1.29
Clay, FL 1989 Wood Frame Office $2.05M Full Limits $0.24 22.38
Miami-Dade, FL 2012 Fire Resistive Retail $4.96M Full Limits $0.26 11.82
Bay, FL 2015 Light Metal Frame Entertainment or Athletic Facilities $2.91M Full Limits $0.81 0.26

 

$5M-7.5M
 

Location Year Built Construction Occupancy Limit Account Description Rate DTC
Clay, FL 1985 Wood Frame Condominium/Townhouse $7.45M Full Limits $0.47 21.73520088
Lee, FL 2016 Masonry Non-Combustible School $6.94M Full Limits $0.29 11.04850006
Hillsborough, FL 2026 Light Metal Frame Service $5.9M Full Limits $0.25 14.133
Broward, FL 1970 Fire Resistive Condominium/Townhouse $5.14M Full Limits $0.44 7.361400127
Volusia, FL 1988 Joisted Masonry Group Institutional Housing $5.09M Full Limits $0.64 2.872

 

$7.5M+
 

County Year Built Construction Occupancy Limit Account Description Rate DTC
Pinellas 1961 Joisted Masonry Condominium/Townhouse $23.07M Full Limits $1.16 0.08
Pasco 2024 Joisted Masonry Office $19.36M Full Limits $0.53 5.15
Volusia 1996 Fire Resistive Condominium/Townhouse $17.5M Full Limits $0.37 0.08
Charlotte 2026 Modified Fire Resistive Wholesale $14M Full Limits $0.19 6.21
Pinellas 1966 Masonry Non-Combustible Group Institutional Housing $8.77M Full Limits $0.08 5.80

Less than $5M
 

Location Year Built Construction Occupancy Limit Account Description Rate DTC
Polk, FL 2005 Masonry Non-Combustible Restaurant $1.05M BI, BPP, APC Only $0.58 37.50
Cameron, TX 2013 Wood Frame Office $305K BPP, APC Only $0.99 22.50
Nueces, TX 2019 Joisted Masonry Office $305K BPP, APC Only $0.90 13.99
Cameron, TX 2024 Joisted Masonry Entertainment or Athletic Facilities $1.02M Full Limits $0.54 21.94
Brazoria, TX 2021 Masonry Non-Combustible Government/Public Building $2.47M Full Limits $0.35 16.67
Jefferson, TX 2001 Brick Veneer Hotel/Motel $750K Full Limits $1.08 24.96

 

$5M-7.5M

Location Year Built Construction Occupancy Limit Account Description Rate DTC
Harris, TX 1975 Wood Frame Condominium/Townhouse $7.35M Full Limits $0.61 37.500
Hidalgo, TX 2022 Joisted Masonry Warehouse $6.34M Full Limits $0.27 9999.00
Harris, TX 1984 Masonry Non-Combustible Retail $5.6M Full Limits $0.53 7.500
Nueces, TX 1973 Wood Frame School $5.45M Full Limits $0.59 13.055
Hidalgo,TX 2008 Wood Frame Condominium/Townhouse $5.35M Full Limits $0.32 54.95

 

$7.5M+
 

Location Year Built Construction Occupancy Limit Account Description Rate DTC  
Jefferson, TX 2006 Wood Frame Apartment $18.96M Full Limits $0.11 37.50  
Hidalgo, TX 1997 Wood Frame Condominium/Townhouse $11.22M Full Limits $0.29 37.50  
Hidalgo, TX 2001 Wood Frame Apartment $9.89M Full Limits $0.53 37.50  
Hidalgo, TX 1974 Wood Frame Condominium/Townhouse $9.74M Full Limits $0.58 37.50  
Harris, TX 2014 Wood Frame Condominium/Townhouse $8.13M Full Limits $0.44 37.50  

Less than $5M
 

Location Year Built Construction Occupancy Limit Account Description Rate DTC
Jackson, MS 2006 Light Metal Frame Office $240K Full Limits $1.07 8.79
Harrison, MS 2010 Brick Veneer Restaurant $750K Full Limits $1.19 13.20
Baldwin, AL 2006 Masonry Non-Combustible Restaurant $520K BI, BPP, APC Only $1.44 2.31
Jackson, MS 1996 Brick Veneer Hotel/Motel $3.19M Full Limits $0.71 14.92
St. Mary, LA 2013 Masonry Non-Combustible Retail $1.29M Full Limits $1.81 22.14
Harris, TX 2025 Light Metal Frame Entertainment or Athletic Facilities $750K BPP, BI Only 0.771 7.500

 

$5M-7.5M

Location Year Built Construction Occupancy Limit Account Description Rate DTC
Jefferson Davis, LA 2010 Wood Frame Apartment $7.09M Full Limits $0.94 37.500
Baldwin, AL 1996 Masonry Non-Combustible Church $6.95M Full Limits $0.76 8.982
Iberville, LA 2007 Wood Frame Hotel/Motel $5.78M Full Limits $0.52 37.500
Baldwin, AL 1980 Joisted Masonry Office $5.31M Full Limits $0.39 21.222
Harrison, MS 2008 Wood Frame Office $5.01M Full Limits $0.46 7.116

 

$7.5M+

Location Year Built Construction Occupancy Limit Account Description Rate DTC
Hancock, MS 1979 Wood Frame Condominium/Townhouse $17.29M Full Limits $1.18 24.10
Jefferson, LA 1970 Wood Frame Apartment $11.84M  Full Limits $1.15 1.50
Tangipahoa, LA 2019 Light Metal Frame Entertainment or Athletic Facility $11.56M Full Limits $0.48 22.50
St. Tammany, LA 2015 Wood Frame Group Institutional Housing $8.85M Full Limits $0.39 12.50
Mobile, AL 1997 Wood Frame Condominium/Townhouse $8.14M Full Limits $1.67 0.13

Less than $5M
 

Location Year Built Construction Occupancy Limit Account Description Rate DTC
Monmouth, NJ 2015 Light Metal Frame Entertainment or Athletic Facilities $1.66M Full Limits $0.28 9.19
New York, NY 1967 Joisted Masonry Hotel/Motel $2.58M Full Limits $0.32 14.13
Bristol, MA 1990 Reinforced Concrete Office $3.52M Full Limits $0.41 18.59
Kings, NY 1940 Joisted Masonry Health Care Services $930K Full Limits $0.29 2.64
Fairfield, CT 1986 Masonry Non-Combustible Office $2.03 Full Limits $0.25 1.14
Barnstable, MA 1950 Joisted Masonry Restaurant $1.02M BPP, BI Only $0.84 9.67
Monmouth, NJ 2024 Masonry Non-Combustible Entertainment or Athletic Facilities $1.0M BPP, BI Only $0.23 2.09
Kings, NY 2019 Modified Fire Resistive Apartment $2.93M BPP, BI Only $0.24 4.76

 

$5M-7.5M
 

Location Year Built Construction Occupancy Limit Account Description Rate DTC
Suffolk, NY 2021 Light Metal Frame Warehouse $6.15M Full Limits $0.07 9.669
Virginia Beach City, VA 1984 Wood Frame Service $5.8M Full Limits $0.41 8.654
Sussex, DE 1976 Masonry Non-Combustible Condominium/Townhouse $5.42M Full Limits $0.26 2.780
Newport, RI 1952 Fire Resistive Office $5.34M Full Limits $0.40 0.587
Queens, NY 2023 Masonry Non-Combustible Church $5.11M Full Limits $0.40 0.992

 

$7.5M+

Location Year Built Construction Occupancy Limit Account Description Rate DTC
Barnstable, MA 1977 Wood Frame Condominium/Townhouse $23.58M Full Limits $0.44 3.680
Carteret, NC 2026 Joisted Masonry Condominium/Townhouse $16.5M Full Limits $0.44 2.188
Bryan, GA 2025 Wood Frame Hotel/Motel $12.81M Full Limits $0.27 37.500
Suffolk, NY 1988 Wood Frame Condominium/Townhouse  $12.52M  Full Limits $0.46 11.529
Lenoir, NC 2011 Wood Frame Church $16.33M Full Limits $0.09 37.500
Duplin, NC 1990 Wood Frame Health Care Services $10.14M Full Limits $0.16 37.500

Retail Commercial Wind

Location Year Built Construction Occupancy Limit Account Description Status DTC
Volusia, FL 2001 Joisted Masonry School $5M Full Limits Renewal 2.65
St. Johns, FL 2026 Non-Combustible Service $3.49M Full Limits New 3.90
Levy, FL 1982 Wood Frame Restaurant $2.12M Full Limits Renewal 20.37
Miami-Dade, FL 1974 Joisted Masonry Condominium/Townhouse $1.38M Full Limits Renewal 12.21
Escambia, FL 2005 Non-Combustible Warehouse $780K Full Limits Renewal 7.15

Location Year Built Construction Occupancy Limit Account Description Status DTC
Brunswick, NC 2001 Wood Frame Church $4.82M Full Limits Renewal 3.76
Beaufort, SC 2005 Masonry Non-Combustible Service $3.3M Full Limits New 7.82
Ocean, NJ 2010 Wood Frame Office $2.35M Full Limits Renewal 14.76
New Hanover, NC 2008 Non-Combustible Warehouse $1.65M Full Limits Renewal 8.37
Horry, SC 1972 Joisted Masonry Restaurant $1.25M Full Limits New 0.80

Location Year Built Construction Occupancy Limit Account Description Status DTC
Cameron, TX 2010 Wood Frame Condominium/Townhouse $4.02M  Full Limits Renewal 20.11
Lafourche, LA 2005 Fire Resistive Health Care Services $3.14M  Full Limits New 0.00
Jefferson, LA 2002 Wood Frame Condominium/Townhouse $2.4M  Full Limits New 0.23
Baldwin, AL 1973 Wood Frame Entertainment or Athletic Facilities $1.8M Full Limits Renewal 17.93
Jackson, MS 1999 Light Metal Frame Service $290K Full Limits Renewal 12.59

Homeowners

State County Year Built Construction DTC Limit Status
FL Saint Lucie 2022 Joisted Masonry 12.5 $780,000 New
FL Orange 2020 Wood Frame 37.5 $1,080,640 New
FL Pinellas 2021 Joisted Masonry 1.5 $1,620,000 New
FL Sarasota 2024 Joisted Masonry 5.99 $734,400 New
FL Walton 2015 Wood Frame 0.24 $1,325,000 New

State County Year Built Construction DTC Limit Status
TX Brazoria 2010 Brick Veneer 22.5 $1,222,800 New
TX Harris 2019 Wood Frame 37.5 $810,000 New
TX Harris 2026 Brick Veneer 22.5 $418,080 New
TX Jefferson 2019 Brick Veneer 21.65 $850,000 New
TX Nueces 2016 Wood Frame 4.5 $296,873 New

State County Year Built Construction DTC Limit Status
MS Jackson 2023 Wood Frame 2.5 $418,000 New
MS Hancock 2020 Wood Frame 0.74 $724,000 New
LA Saint Tammany 2015 Brick Veneer 4.5 $2,779,200 New
AL BALDWIN 2017 Brick Veneer 7.5 $460,500 New
AL BALDWIN 2008 Brick Veneer 2.12 $477,000 New

State County Year Built Construction DTC Limit Status
GA Chatham 2020 Wood Frame 10.52 $1,890,000 New
SC Beaufort 2024 Wood Frame 6.95 $1,433,000 New
NC Onslow 2018 Wood Frame 0.14 $2,660,000 New
SC Charleston 2013 Wood Frame 2.5 $1,600,000 New
VA Virginia Beach City 2022 Wood Frame 2.36 $1,269,000 New

State County Year Built Construction DTC Limit Status
DE Sussex 2024 Wood Frame 0.05 $3,511,000 New
NJ Monmouth 2003 Wood Frame 3.5 $3,540,000 New
NJ Ocean 2001 Brick Veneer 12.5 $1,762,000 New
DE Sussex 2025 Wood Frame 0.04 $1,350,000 New
MD Worcester 2021 Wood Frame 0.05 $3,848,400 New

State County Year Built Construction DTC Limit Status
MA Barnstable 2026 Wood Frame 0.05 $2,330,000 New
RI Washington 2025 Wood Frame 1.3 $2,132,500 New
MA Suffolk 2022 Wood Frame 3.13 $2,697,500 New
RI Washington 2019 Wood Frame 0.74 $1,177,100 New
MA Barnstable 2003 Wood Frame 1.5 $3,550,000 New

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