1) Does not have a
valid AAA membership (also required for policy renewal).
2) Does not have a
valid automobile insurance policy through an Auto Club Enterprises affiliate
(including the Automobile Club Inter-Insurance Exchange and Auto Club
Family Insurance Company). This is also required for policy renewal.
Exceptions:
This does not apply to Premier Renters policies.
This does not apply to Premier Condominium Owners policies.
This does not apply if the only automobile is a company car that is
not owned or leased by a named insured.
This does not apply if the homeowner does not own an automobile.
3) The following losses should be counted in determining
acceptability:
Any loss stated below regardless of paid amount (includes $0
paid)
Any property-related losses at the current residence premises
(regardless of owner)
Any theft/vandalism losses with current applicant/insured (regardless
of residence)
Applicants or risks with any liability claims in the past 3 years are
unacceptable. One (1) paid claim and one (1) $0 paid claim within the
last 3 years, caused by nature, fire, theft, water, or any non-liability
loss may be submitted if all damage has been repaired. Chargeable claims
require a $2,500 deductible. This deductible does not apply to Premier
Renters or Premier Condominium Owners policies. Claims in excess of
$10,000 require proof of repair.
4) Rooming or boarding
houses, on and off campus student housing, including but not limited
to dormitory, fraternity and sorority housing.
5) Applicants with
more than 2 student roomers.
6) Mobile/Manufactured
homes.
Exception:
This does not apply to Premier Renters policies.
7) Risks with serious
exterior exposures, such as substandard adjacent property.
8) Dwellings constructed
with non-conventional building materials such as asbestos, foam, plastics,
eifs (synthetic, fake stucco) or with unusual features, including underground
structures, dome houses, log houses and historic homes.
9) Shell homes and/or
"Do-it-yourself" construction unless the applicant is a professional
craftsman and wiring, heating, etc., are installed by appropriate professionals
in compliance with established building codes. In instances involving
professional craftsmen, refer to the Underwriting Department prior to
binding and indicate the anticipated completion date.
10) Dwellings with
non-continuous foundations, unless enclosed to prevent the accumulation
of debris under the structure. Piered homes must be less than 3 feet
from the ground.
11) Property with
outbuildings that are not in average or better condition.
12) Basement dwellings.
13) A primary residence
which is vacant or unoccupied.
14) Dwellings rented
by the day, weekend, week or month.
15) Seasonal risks
as follows:
A. Beach properties.
B. Dwellings used primarily as rooming or boarding houses during the vacation
season.
C. Dwellings located in congested resort neighborhoods.
D. Dwellings with serious brush exposures.
E. Dwellings that are not easily accessible, except for periodic heavy
snow conditions.
F. Mobile homes.
16) Applicants whose
premises are in a rundown condition and lack a good repair and maintenance
program.
17) Applicants who
are unable or unwilling to follow reasonable safety or loss control
recommendations.
18) Premises with
unusual or hazardous attractions for children including, but not limited
to, unguarded excavations, open wells, unprotected swimming pools, trampolines.
19) Persons engaged
in any illegal business.
20) Property where
alcoholic beverages are sold.
21) Pets or animals owned or maintained that are of an inherently vicious,
aggressive or dangerous nature (i.e., dogs, wolves, lions, bears, alligators,
etc.).
22) Dwellings where
primary source of heat is a wood stove or space heater. Dwellings must
have central heating. If the dwelling has a woodstove as a secondary
source of heat, the woodstove cannot be located in a detached structure
or garage (whether attached or detached).
23) Improperly installed
supplemental heating units such as, but not limited to, wood stoves,
kerosene heaters, etc.
24) Dwellings with unrepaired earthquake damage.
25) Persons requesting
Earthquake coverage on dwellings with any of the following characteristics:
A. Dwellings with
unrepaired settling damage or prior earthquake damage.
B. Dwellings which rest in whole or in part on piers, pilings or not
resting completely on solid ground. This would include structures built
on the side of a bluff, hill or mountain.
C. Dwellings of extreme or unusual architectural design.
26) Risks that have
any of the following characteristics:
A. Abnormal Burglary
or Theft Exposure.
1. Lack of adequate
locks or other precautions against theft.
2. Frequent or extensive travel or entertainment by the residents
of the dwelling.
3. Premier Renters Policies located in high crime areas must meet
one of the following:
a. All entrances
and exits are monitored and controlled by security guards on duty
24 hours a day, or;
b. The building has a central station alarm system that reports
directly to an alarm company or to a police station.
B. Abnormal Liability
Exposure.
1. Broken, sagging
or unsupported or unsafe steps or stairs.
2. Poor maintenance of sidewalks, porches and other areas.
3. Porches or decks
more than 2 feet off the ground without guard railings.
4. Door openings over 2 feet off the ground without a staircase to
the ground or opening to a deck attached to the home.
27) Secondary residences
where the primary residence is not insured through an ACIE affiliate
(including the Auto Club Family Insurance Company).
28) Premier Renters
Policies must have the recommended amount of smoke detectors for the
home or apartment. Deadbolt locks are required on all apartment unit
entrances.
29) Single family
dwellings that have been converted to apartment units.
30) Any applicants
with business activities not specifically identified in the manual.
31) Dwellings which
are undergoing extensive remodeling.
32) Farming as a primary
occupation. Incidental farming will be considered with prior underwriting
approval.
33) Dwellings with
less than 100 amp electrical service.
34) Dwellings with
knob and tube wiring or Federal Pacific Stab-Lok panels with circuit
breakers are unacceptable.
35) Two family dwellings
where insurance is not inforce for both living units.
36) Dwellings with
a slate or tile roof. This does not apply to Premier Renters and Premier
Condominium Owners policies.
37) Dwellings with
a flat roof over the main dwelling structure. This does not apply when
the flat roof is only over the garage, carport, sunroom, etc. This does
not apply to Premier Renters and Premier Condominium Owners policies.
38) Dwellings when
the second layer of roofing material is composition shingle over a wood
roof. This does not apply to Premier Renters and Premier Condominium
Owners policies.
39)
Dwellings when the second layer of roofing material is wood over a wood
roof. This does not apply to Premier Renters and Premier Condominium
Owners policies.
40) The following
are considered unacceptable property locations.
A.
Commercial Areas:
1. One or two
family dwellings located in commercially zoned neighborhoods or
adjacent to commercial property.
Exceptions:
Residences adjacent to a school, church, hospital, nursing home,
assisted living community, office building including medical or
dental office, Post Office or FedEx location, or shopping center
with businesses that do not primarily sell alcohol and do not sell
guns or marijuana (examples include Target, grocery store, coffee
shop, fast-food restaurant, hair salon). For any other business,
prior Underwriting approval is required.
NOTE:
The following are always unacceptable adjacent businesses: gas station,
marijuana dispensary, manufacturing plant, storage facility, motel,
auto repair shop, salvage lot, homeless shelter, animal shelter,
jail or prison, or businesses that sell alcohol and are open during
night hours (such as a liquor or convenience store, bar or pub).
2. Residences
exposed to businesses with a high level of foot traffic (businesses
with low-level foot traffic include CPA or law offices).
B.
Adjacent Buildings or Property:
1.
Residences that are adjacent to property/ buildings that present
undue fire or explosion hazards.
2. Residences that are adjacent to properties/ buildings with overgrown
trees, shrubs or brush that present undue exposure to fire hazards.
41)
Dwellings that have bars on the windows are unacceptable unless they
are equipped with a quick release (photos will be required showing the
quick release on each window with bars).