Phone: (877) 326-8080 Fax: (954) 837-4340

Email: SpecialtyPrograms@SecurityFirstFlorida.com

For information on how to file a claim for a Specialty Programs policy, log on to SecurityFirstManagers.com and click on “Contact Us” to download the Claims Reference Sheet.

“Fast turnaround time, flexibility in underwriting and open communication allow us to really tailor coverage to a particular risk. [These] are just some of the benefits of working with Security First Managers.”

~Warren S.- Agent

High Value Program: How to Get a Quote

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For password or login assistance contact Agency Administration at (877) 900-3974

AgentAdmin@SecurityFirstFlorida.com

Security First Managers has partnered with A.M. Best “A” rated carriers to offer you a wide variety of insurance products. Our goal is to provide you with exceptional service and comprehensive insurance protection that’s customized to meet your customers’ individual needs.

Quick Reference Guide

Extraordinary Solutions For Your Not-So-Ordinary Insurance Needs

Basic Underwriting Guidelines• Risks within 1,000 feet of the coast require a minimum 5% named storm deductible.

• Homes made of unconventional materials or unusual construction or design, or structures not originally intended as a dwelling are subject to individual review.

• Homes with an ISO Protection Class of 1-8 are acceptable. Protection Class 9 and 10 may require supplemental underwriting and require an alternate water source.

• Homes built 1965 or earlier require proof of updates to all major systems.

• Flat roofs are required to be concrete or have commercial grade underlayment.

• High Profile clients acceptable with premises liability only.

• Any single large loss in excess of $50,000, or risks with 2 or more losses in the past 3 years, require individual review for eligibility. (Excluding Acts of God)

• Properties owned by a trust, LLC, or personal corporation are acceptable when there is no other corporate activity. Preferred occupancy will be considered.

• Frame homes in windpool eligible territories must have either shutters or hurricane glass unless otherwise approved.

• Homes located in Palm Beach, Broward, Miami-Dade Counties built prior to 1994 or after 1994 and not meeting the South Florida Building Code or 2001 Florida Building Code are subject to individual review for eligibility and may require supplemental information.

• Risks in Monroe County are required to have a 10% hurricane deductible, be FBC roof-compliant, have full opening protection, and are subject to individual review for eligibility.

• Central station fire and burglar alarm is required for homes with Coverage A of $2 million or greater.

High Value Program

Go to SecurityFirstManagers.com and log in using your individual user ID and password.

Complete the application online by clicking the “High Value Policy System” tab.

In the “Action” tab choose “Submit Application” to transfer the application to underwriting for review.

The underwriter will pre-underwrite and model the risk and return a bindable quote to you via email in less than an hour.

How To File A Claim:

System Login Support:

Extraordinary Solutions For Your Not-So-Ordinary Insurance Needs

High Value Program

Program Coverage Limits

A-Dwelling HO3 or HO5 Minimum $1 Million

B-Other Structures Standard limit 10% of Coverage AMinimum 0% & Maximum is negotiable

C-Contents Standard limit 50% of Coverage AMinimum 5% for owner occupancy

D-Loss of Use Standard limit 20% of Coverage AMinimum 0% & maximum is negotiable

E-Personal Liability Standard limit $300,000Minimum $0 & maximum $1 Million

F- Medical Payments Standard limit $5,000 with option for $10,000

Rental & Short-Term Rental

• Vacation rental

• Corporate-owned with premises liability

• Condo unit rented to others

Builder’s Risk

• Optional coverage for theft of materials

• Convert to homeowners on completion

• Ground up, mid-term, or long-term projects

• Home under renovation

• Coverage considered for risks with no general contractor

• Can convert to HO3 on completion

• Unprotected risk (PC 9/10)

• Multi-family homes

• Corporate or LLC-owned

• No prior insurance

• Prior cancellation/non-renewal

• Farm/agriculture exposure

• Trust/Land Trust

Quick Reference Guide

Optional Coverages:• Sinkhole coverage

• Mechanical breakdown

• Mold coverage

• Water back-up & sump overflow

• Scheduled personal property by endorsement; No maximum

• Personal property replacement cost

• Loss assessment coverage

• Ordinance or law

• Increased replacement cost on dwelling available

• Watercraft liability

• Home & family security

• Personal injury

Occupancy:• Primary: Owner-occupied on a full-time basis

• Secondary: Owner occupies residence on an intermittent basis Note: Secondary occupancy requires either a property manager or other full-time caretaker for the property to be eligible

• Vacant/for sale

• Rental: weekly, monthly, or annual

Coverage Limits

A - Dwelling HO3 or DP3Minimum Coverage A $150,000 available on DP3 and HO3 forms; Wind available subject to location; Replacement cost on dwelling available; High value condo

HO6 Additions and alterations coverage from 20,000 to 10,000,000 or higher with corporate approval

Personal Articles Floater Stand-alone coverage; No maximum schedule; No deductible option available; $250 minimum earned premium

Homeowners & Personal Articles Programs

Additional InformationSupplemental information may be required to properly underwrite certain risks. Some examples are: homes over 34; corporate or LLC owned homes; home owned in trust; builder’s risk. The supplemental applications may be downloaded from the Agent Resources section of our website.

SecurityFirstManagers.com | 877-326-8080 | SpecialtyPrograms@SecurityFirstFlorida.com

How to Get a Quote

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To receive a quote, please visit our website SecurityFirstManagers.com.

Click the “Agent Resources” tab and download the application packet.

Email or fax the completed application, along with any supporting documentation to the Specialty Underwriting Team for rating.

The underwriter will return the quote to you with any required documents for binding.

• Vacant home/condo

• Homes for sale

• Speculative homes

• Homes bought from foreclosure/short sale

• Prior losses/liability loss

• Older home with updates

• Tough dog breed - animal exclusion

Primary, Secondary, & Seasonal Homeowners

Printed: March 8, 2016

Coverage Limits

CPL/Excess CPL

Standalone Comprehensive Personal Liability with $100,000, $300,000, $500,000 or $1,000,000 CSL available; Medical available $1,000, $2,000 or $5,000 medical available. $250 Deductible per occurrence

UMB/Excess UMB$1M to $10M umbrella limits available; Programs for less-than-per-fect, youthful, or elderly drivers available; Drop-down over Citizens Property Insurance Corporation liability limit available

Luxury Yacht Program

Yacht

$750,000 to $10,000,000 in hull value available; Admitted Mar-ket; Broad “All Risks” coverage; Deductible-free coverage offerings; Charter coverage available; Broad navigational limits; Custom coverage for high-end sportfish boats

Liability Programs