Archives for homeowners insurance

Lower deductibles help make things easier

October 4, 2010

Some companies have decided that now is a good time to increase the minimum allowed deductible on their policies.

At iMGA we’ve done the opposite. Where we were requiring a 2% wind/hail deductible in some areas of the state we are not any longer. Plus, in our Texas EliteTM Non-Admitted HOA/HOA+/HOB program, your customers can choose a $1,000 deductible option – even for wind/hail!

We know that lower deductible options are important for your clients, especially in these challenging economic times, and we are happy to offer options that make things easier for you.

So login now to quote any of our great Texas Personal Property programs (MobileHome, TDP1/TDP3, HOA/HOA+, Non-Admitted HOA/HOA+/HOB, and Vacant).

Categories: Texas Personal Property Insurance Tags: , , , , ,

New Lower Rates PLUS Better Coverage

September 23, 2010

The iMGA Non-Admitted HOA/HOA+/HOB program introduced SUBSTANTIALLY lower rates this week.

In addition, this program now offers Replacement Cost Coverage on homes built since 1975. Both HOA+ and HOB form coverage is available on these homes in this program.

We know that good coverage and good rates are both important to you and your customers and we’re happy to do our part to help.

So login now to quote our Non-Admitted program (or any of the other great Texas Personal Property programs we have available).

Categories: Texas Personal Property Insurance Tags: ,

Lower Rates Now Available

September 21, 2010

We realize times are tough all over Texas right now, and while Texans are tough enough to make it through anything, at iMGA we want to do our part to make things easier.

So we’ve arranged for a significant rate decrease in our Non-Admitted HOA/HOA+/HOB Texas Personal Property Program.

This program is still a great market for homes up to $550,000, on up to 30 acres, with or without incidental business pursuits, with or without incidental farm liability, and/or in need of any of its many great optional coverages, but now all of that is available at LOWER RATES.

So login now to quote our Non-Admitted program (or any of the other great Texas Personal Property programs we have available).

Categories: Texas Personal Property Insurance Tags: ,

Aluminum, Asbestos and Vinyl Siding

August 25, 2010

House with siding photo courtesy Flickr user pasfam

Thanks to suggestions that we receive from our agency partners, iMGA is able to bring continued improvements to help you better serve your clients’ needs. The latest mass request was for a product for asbestos, aluminum, and vinyl siding. We are pleased to announce that …

iMGA can now accept dwellings with asbestos, aluminum, and vinyl siding in our non-admitted HOA/HOA+/HOB product!

Homes with these sidings are rated as easily as you have become accustomed to in our online quote, bind and issue system. Aluminum and vinyl siding will require a cosmetic damage exclusion be signed by the insured. This endorsement is automatically generated along with the policy so that no referral is required.

We are working to expand availability to our admitted programs as well, but are pleased to be able to offer you this option now.

Categories: Texas Personal Property Insurance Tags: , , , , ,

Stability Matters

August 2, 2010

These days it’s more important than ever to be sure your customers are insured with solid markets that will be there for you – and them – for the long run.

That’s why at iMGA we’re so proud to provide products backed by solid, stable carriers.

The iMGA admitted programs are all underwritten by San Antonio Indemnity Company, an A.M. Best B++ rated carrier that has been doing business in Texas personal property for over 30 years. A.M. Best affirmed SAIC’s rating – and stable outlook – just 45 days ago. Plus, all the programs are backed by well-respected A rated reinsurers.

The iMGA Non-Admitted Homeowners program is backed by Ace and Catlin, two of Lloyds of London’s leading syndicates, both of which are A rated.

So, whether it’s helping provide you with a market for your new MobileHome, TDP1, TDP3, HOA, Non-Admitted Homeowners, or Vacant dwelling customers, or helping you move an entire book, iMGA and our carriers are here for you.

Categories: Texas Personal Property Insurance Tags: , , ,

Coverage for Home-Based Business Property and Liability

May 27, 2010

Finding business personal property and liability coverage for home-based businesses can be difficult. These days, though, more barbers, music teachers, real estate agents and web designers are finding it convenient or necessary to work at home.

Fortunately we have the solution for you! Our new NAH (Non-Admitted Homeowners) program offers business personal property coverage up to $50,000 and liability coverage up to $300,000 and medical payments coverage up to $5,000 for dozens of different types of home-based businesses.

Just some of the acceptable classes include:

Appraisal Service Art Gallery/Art Studio Auctioneer
Barber/Beautician Bookkeeper/Accountant Caterer
Cleaning Service Clock/Watch Repair Clown/Magician/Entertainer
Computer Consultant/Repair Dog Trainer Embroiderer
Furniture Refinisher Graphic Artist/Designer Pet Groomer
Home Inspector House-Sitting Service Insurance/Travel Agent/Realtor
Interior Decorator Locksmith Music Teacher/Musician
Musical Instrument Sales/Rep. Pet Sitter/Dog Walker Photographer
Publisher Shoe Repair Tailor
Tax Preparer Taxidermist Web Designer

So if you have any insureds who work at home, be sure to log in and check out the full list under the Home-Based Business liability coverage option in our NAH program – you’ll be surprised at how many different businesses we can cover and how easy it is to quote.

If you’re a Texas independent agent who doesn’t yet represent iMGA, apply to become an agent.

Categories: Texas Personal Property Insurance Tags: , , , , , ,

Bringing great things to Texas Homeowners Insurance

May 19, 2010

Texans have a long history of arranging fantastic protections for their citizens via international negotiations, and we at iMGA have kept up that tradition during our negotiations with Lloyd’s of London.

Just 174 years and one week ago, on May 14, 1836 Texas officials and Santa Anna signed treaties that ended hostilities and restored private property, released Texan and Mexican prisoners and led to the withdrawal of Mexican troops. The treaties also began the process of Mexico acknowledging Texas independence and recognizing the Rio Grande as its boundary.

While our negotiations with the Underwriters at Lloyd’s were less critical and more subtle than those used by Sam Houston on Santa Anna, we were able to persuade them to provide us with a set of products unlike any currently being sold through Lloyd’s Underwriters.  In the Texas tradition of perseverance and determination and with a rural road trip thrown in for our lead underwriter, we are pleased to announce our new HO-A, HO-A+, and HO-B products.  They are backed by the A.M. Best “A” rated security of Lloyd’s of London, and are ready for you to quote, bind and issue.

Here are some highlights:

  • Dwelling Values from $35,000 to $550,000.
  • Acreage up to 30 acres with incidental Farm Ranch exposure including outbuildings, equipment, animal collision, and Farm Ranch Liability
  • Home Based Business are eligible.
  • Automatic Hail Resistive Roof Credit without documentation.
  • Personal Injury Coverage included at no additional charge.
  • Personal Property schedules including gun schedules.
  • Credit Scoring
  • Diving Boards, Pool Slides, and Trampolines
  • Limited Mold Coverage automatically included at no additional charge.
  • Limited Sudden and accidental water discharge below slab included on HO-B and available on HO-A+.

For more details on our new products, please log in.  You will find a complete outline under the Non-Admitted Quick Reference Guide link towards the top of the page.

We are very excited about these products.  We strive to bring real value to our agency partners.  We hope that we are bringing you something very different and valuable that you can provide to your clients. We welcome your feedback. More details will follow soon, but log in now to see for yourself the great pricing and coverages available through this new program, or contact us to become an agent.

Texas Ranger photo courtesy of Flikr user diveofficer.

Categories: Texas Personal Property Insurance Tags: , , , , , ,
« Previous Page
↑ Top of Page