- A.M. Best Rating: AX
- Status: Non-Admitted
- Syndicate(s): Faraday Syndicate #435: AA - 1126435
- Territory: California, Colorado, Idaho, Nevada, Oregon, Utah, Washington and Wyoming
- Perils: Earthquake; Named Peril May Extend To Include Earthquake Sprinkle Leakage, Flood and Building Ordinance
- Maximum Limit: $5,000,000.
- Maximum Values: $20,000,000
- Minimum Values (Applicable to Dwellings Only): $1,500,000.
- Minimum Premium: $3,000.
- Policy Writing Minimum Premium: 25% of the annual premium.
- Minimum Deductibles:
- AOP - $25,000,
- Earthquake: 5%
- Flood – $25,000.
- Valuation:
- Actual Cash Value
- Replacement Cost Valuation subject to one of the following:
- Current Marshall Swift or other valid form of valuation;
- Past 3 years of Fire Policy Declarations Page (Must be able to determine values used);
- SIU’s minimum value requirement;
- Policy Fee: $150.000
- Inspection Fee:
- $125.00 per location in EQ Zones A1, A2, B1, B2 & B3
- $150.00 per location all other EQ Zones
Standard Broker Commission: 16%