LOB MH DP-1 (excluding vacant) HO-10/HOA** DP-3/HO-3

General

conditionsFair or better Fair or better Average or better Above average or better

Acceptable

conditions

• Cracked driveway• Minor debris or debris that does not block the flow of traffic to entrances• Rear doors with no steps as long as there is one primary entrance with acceptable steps (excluding rentals)• Retaining walls with no railing• Uneven ground

• Fences (unless liability concern)• Missing shutters• Peeling paint• Retaining walls with no railing• Small areas of missing siding• Structurally sound• Tree limbs (unless large and touching roof)• Uneven ground• Small areas missing siding

• Heating, wiring and plumbing in good working order• Minor debris• Minor peeling paint• Reflects pride of ownership in the maintenance and upkeep of both the dwelling and premises• Roof in good condition

• Reflects responsible ownership in the maintenance and upkeep of both the dwelling, other structures, and premises

Unacceptable

conditions

• Business on premises• Commercial farming• Excessive debris• Major unrepaired damage to the home or structures

• Broken or boarded up windows• Business on premises• Commercial farming• Excessive debris• Major unrepaired damage• Sagging porches and roofs

• Abandoned autos• Appliances outside of the home• Broken or boarded up windows• Business on premises• Commercial farming• Excessive debris• Excessive peeling paint• Missing/damaged siding• Sagging porches and roofs• Unrepaired damage

• Abandoned autos• Appliances outside of the home• Broken or boarded up windows• Business on premises• Commercial farming• Debris in the yard• Peeling paint• Missing/damaged siding• Sagging porches and roofs• Shingles - broken, curling, lifting, missing or worn• Unrepaired damage

Personal lines residential target market conditions*

* All risks are subject to underwriting review for determination of eligibility.** Policies with the HO-10 Enhanced Coverage endorsement will be underwritten more tightly due to the increased coverages.

Condition Eligibility - Ineligible roofs

Condition Eligibility - Ineligible fascia/soffits/ceilings

Condition Eligibility - Ineligible hazardous conditions