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Input: First Insurance
Company of Hawaii®
HOMEOWNERS
A Member of the Tokio Marine Group
UNDERWRITING GUIDELINES
Tier
Standard
Preferred
Super Preferred
(First Security Ins-10)
(Company)
(First Fire & Casualty-08)
(First Insurance-05)
1
*Disqualifiers
Insureds that have been declined, cancelled (for other than non-pay), or non-renewed during the last 3 years
Primary or Additional Named insureds that are minors
Applicants with 3 or more reinstatements in the last year for the same premises
Applicants with 3 or more losses (property and/or liability) in the last 3 years
If the premises is for sale by the named insured
Applicants that had a foreclosure, repossession, bankruptcy, judgement, or lien during the last 5 years
AOAO owned properties
Locations owned by any corporation, partnership, and/or IRA
Properties where people regularly come on the premises for business purposes
Homes that are vacant, not owner occupied, or used as a timeshare
NAME_1 zones 1 or 2
Owner Builder Course of Construction
Mobile Homes, Yurts, or Tiny homes (pre-packaged homes that are mobile or with wheels)
PC 9 or PC10 Dwellings with only a catchment tank as the water source
2
*Offering
Home Primary (HO-3, HO-4, HO-5)
Home Primary (HO-3, HO-4, HO-
Home Primary (HO-3 and HO-5)
Home Secondary (HO-3 and HO-5)
5)
Dwelling Course of Construction
Dwelling Course of Do not include the following keywords: ®, text, purpose, tank
user