Direct Access Markets
1-800-485-0229

Whether your client is a home or condo owner, a renter or landlord, selecting the right insurance policy is one of the most important decisions they can make.
That’s why Homeowners of America is dedicated to providing independent agents with exceptional support and their clients with the best protection possible.


PRODUCTS

Homeowners

Renters

Condo

Landlord & Dwelling Fire

Flood Insurance

Optional Endorsements
No two policies are the same. Homeowners of America offers a variety of coverages. Below are a few examples of what protection an insurance policy can provide.
WHAT DOES HOAIC HOMEOWNERS INSURANCE COVER?

Dwelling Coverage | The structure of a house.
Other Structures | Structures not permanently attached.
Personal Property | Stolen or damaged possessions.
Loss of Use | Temporary living expenses.
Liability | Claims against your client or their family.
Medical Payments | Injuries on the property.
WHAT DOES HOAIC RENTERS INSURANCE COVER?

Personal Property | Stolen or damaged possessions.
Additional Living Expenses | Temporary living expenses.
Liability | Claims against your client or their family.
Medical Payments | Injuries on the property.
WHAT DOES HOAIC CONDO INSURANCE COVER?

Property Coverage | Damaged personal possessions.
Loss of Use | Temporary living expenses.
Liability | Claims against your client or their family.
Medical Payments | Injuries on property.
WHAT DOES HOAIC LANDLORD
/DWELLING FIRE INSURANCE COVER?

Dwelling Coverage | The structure of a rental house.
Other Structures | Structures not permanently attached.
Loss of Rents / Fair Rental Value | Temporary loss of rental income.
Liability | Claims against your client or their family.
Medical Payments | Injuries on property.
FLOOD INSURANCE

HOAIC offers flood coverage through Wright Flood, one of the nation's top insurance providers. Wright Flood policies are backed by FEMA and insured through the National Flood Insurance Program (NFIP).
WHAT ARE SOME COMMON ENDORSEMENTS?
Every policy is different but below are examples of some of the optional endorsements you can offer. Most endorsements are added at the time your client purchases their policy but some can be added mid-term. Endorsements vary by state and some may be subject to underwriting qualifications.

Equipment Breakdown

Refrigerated Personal Property

Inland Flood

Pet Coverage

Replacement Cost on Personal Property

Service Line Coverage

Increased Limit on Jewelry / Watches

Mortgage Extra Expense
*Optional endorsements are available at an additional premium. Coverage options and discounts vary by state. Limits and exclusions apply.

Claim Service your clients can count on.
Homeowners of America's experienced claims team is available 24/7 to help when it's needed the most.
Independent Agents, We've Got Markets!
Coastal Property
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BOP
Disability / Critical Illness
Personal
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Home
Auto
Worker's Comp.
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