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      Homeowners of America Battlecard

       

      Homeowners of America

      Phone Number(s):

      • Underwriting, Claims or Customer Service: 866-407-9896
      • If prompted for agent code: 2773-000-000.

       

      Email(s):

      • Customer Service: customerservice@hoaic.com

       

      Customer Service Hours of Operation:

      • Agency Customer Service & Underwriting hours are M - F 7AM to 6 PM CST.
      • Claims Services are available 24/7.

       

      Current Lines of Business/States:

        • Homeowners: AL, AZ, DE, IL, IN, IA, MO, MT, NB, NC, NM, NV, OK, SC, SD, TN, TX, UT, VA, WY
      • Dwelling Fire: AZ, SC, TX, VA

       

      Carrier Access:

      • Each Advisor will have an individual log in.
        • NOTE: Should be saved in LastPass 
      • Manual Quote Only

       

      Quote Bots:

      • No bots for this carrier.

       

      Application Type: 

      • DocuSign

       

      Carrier Market:

      • HOB policies - Open Peril
      • HO3 policies
      • HOA with replacement cost - Communal Property Coverage
      • Will take some zip codes in TX for wind coverage in Brazoria and Galveston county areas. Coastal Guidelines 

       

      Important Guidelines:

      • IMPORTANT NOTE IN REGARDS TO ROOFS:
          • For the roof types be sure that metal tiles/shingles aren’t being written with with HOA, as well as flat concrete tiles or anything other than bell-shaped tiles for concrete roofs. With metal roofs they only accept standing seam metal roofs.
      • IMPORTANT NOTE IN REGARDS TO UPDATES:
        • Always be sure to confirm that significant updates were done on the home within the last 10 years. If HOA’s UW team receives an inspection with little to no cosmetic updates to the home, they will look further into the property and confirm if the updates have actually occurred. 
      • Common unacceptable risks include:
        • Risks with roofs deemed by the company to be in poor condition and/or having less than 5 years life expectancy.
        • Homes under construction or major renovation
        • Historical or "White Elephant" homes- Homes that cost more to repair than they are worth.
        • Risks with more than 2 units; including 3 and 4 plexes.
        • Mobile or modular homes
        • Homes raised on piers or stilts
        • Risks not in sight of other homes.
        • Secondary or seasonal homes; homes occupied less than 9 months out of the year.
        • Risks within 2000 feet of the Gulf of Mexico or Risks subject to Tidal surge regardless of distance to Gulf.

       

      Additional Resources: