Archives for personal insurance

The Texas EliteTM Non-Admitted HOA/HOA+/HOB product offers your customers choices when it comes to deductibles,
including a $1,000 deductible option – even for wind/hail (where applicable)!

More deductible options are important for your clients, especially in these challenging economic times. iMGA is happy to
provide products that make it easier for you to offer your clients the choices they need.

So login now to quote Texas EliteTM or any of our other great Texas Personal Property products
(MobileHome, TDP1/TDP3, HOA/HOA+ and Vacant).

With a product as good as the Texas EliteTM HOA/HOA+/HOB program, we couldn’t give it just any name. We had to be sure the name made it clear that this is NOT your average Homeowners program.

Of course, you can tell that just by the fact that this program offers a TRUE Texas HOB policy. The HOB offers a level of coverage most companies can’t or won’t offer at a reasonable rate any more. Fortunately iMGA is backed by Ace and Catlin – two of the most respected Lloyds of London syndicates. As strong “A” rated carriers, they know how important the right level of coverage is, and they’ve let us include it in Texas EliteTM.

Texas EliteTM offers much more than the option of an HOB policy form, though. It also offers:

  • personal injury coverage included on every policy at no extra charge,
  • accidental water discharge coverage up to policy limits,
  • up to $5,000 of automatic mold coverage,
  • included sewer backup coverage (up to $5,000),
  • up to 15% of dwelling limit for water damage beneath the slab,
  • liability coverage for trampolines and for pools with slides and diving boards,
  • dog liability coverage,
  • coverage for home-based business liability,
  • up to $50,000 of home-based business personal property coverage,
  • coverage for incidental farm and ranch exposure including livestock equipment, outbuildings and fencing on up to 30 acres,
  • coverage for dwellings with Asbestos siding,
  • hail resistive roof credits even without documentation,
  • firearm theft coverage (up to $2,500),
  • and much more.

So login now to quote Texas EliteTMHOA/HOA+/HOB or any of iMGA’s other great Texas Personal Property programs (MobileHome, TDP1/3, HOA/HOA+ and Vacant).

If you have any questions aboutTexas EliteTM – or any of our other Texas Personal Property products – please call Tony at 512.494.4161 extension 12 or Mike at extension 13 and they’ll be glad to help you.

The iMGA Vacant Dwelling program has been on the street for a couple months now and selling very well. As usual, though, we’ve been listening to our agents’ suggestions for improvements and have already implemented several. Some highlights of the Vacant Dwelling program changes include:

  • Contents coverage is now available
  • Up to 9 dwellings can now be scheduled
  • Up to 10 mortgagees can now be scheduled
  • A roof exclusion is an option if needed
  • Tier 1 coverage is available (as long as the insured has separate wind and flood policies)

Of course iMGA programs can be quoted and bound online, within minutes (literally – please challenge us!) in most circumstances. Should a referral be required our underwriters are fast to respond and will work with you to solve your customers’ unusual needs.

To quote this or any other iMGA program, simply  log in to the iMGA web site, select “Online Quoting”, choose “Start All Quotes Here” as the Line of Business, and in just a couple moments you’ll have a price you can rely on.

As always, if you have any questions about this or any of our other products, please call Tony at extension 12 or Mike at extension 13 and they’ll be glad to help you.

Last week we heard the story of a customer who was unpleasantly surprised to learn that the theft of his computer equipment was not covered under the TDP1 policy he’d purchased to cover his home.

In this economy there is pressure to reduce costs as much as possible, but as an insurance professional you know how important it is to be sure your clients are covered – and understand the coverages they’re giving up if they choose to go to a cheaper alternative.

That makes extra coverages more important than ever. Like those automatically included in iMGA’s Non-Admitted Homeowners program:

  • Personal Injury coverage
  • Slab coverage (up to 15% of Coverage A limit)
  • $5,000 mold coverage
  • $5,000 water backup and sump overflow (on HOB only)
  • $2,500 business personal property coverage (with optional additional limits available up to $50,000)
  • $2,500 firearms theft coverage
  • $1,000 loss-assessment coverage (with a $250 deductible)

(And of course the iMGA Non-Admitted HOA/HOA+ and HOB policies include theft coverage automatically and also offer optional personal computer coverage limits up to $7,000 with only a $100 deductible.)

We’ve received a few questions about our forms and coverages lately. Since our mission is to make things as easy as possible for all our agents, we’ll post more information on additional coverages and coverage comparisons between the TDP1/TDP3 and HOA/HOA+/HOB on the web site in the next few days.

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

Hurricane season just started and there’s already a tropical storm potentially threatening at least part of the Texas coast.

So, effective immediately and until further notice, additional exposure cannot be bound in the following counties in any line of business (MobileHome, TDP1/TDP3 Dwelling Fire, Admitted HOA/HOA+, Vacant or Non-Admitted HOA/HOA+/HOB):

Angelina, Aransas, Atascosa, Austin, Bastrop, Bee, Brazoria, Brooks, Caldwell, Calhoun, Cameron, Chambers, Colorado, De Witt, Duval, Fayette, Fort Bend, Galveston, Goliad, Gonzales, Grimes, Guadalupe, Hardin, Harris, Hidalgo, Jackson, Jasper, Jefferson, Jim Hogg, Jim Wells, Karnes, Kenedy, Kleberg, La Salle, Lavaca, Liberty, Live Oak, Matagorda, McMullen, Montgomery, Newton, Nueces, Orange, Polk, Refugio, Sabine, San Augustine, San Jacinto, San Patricio, Starr, Trinity, Tyler, Victoria, Walker, Waller, Washington, Webb, Wharton, Willacy, Wilson, Zapata

Also, additional exposure cannot be bound in the following counties for the Non-Admitted HOA/HOA+/HOB line of business:

Bandera, Bexar, Blanco, Brazos, Burleson, Caldwell, Cherokee, Comal, Dimmit, Frio, Hays, Houston, Kendall, Lee, Leon, Madison, Medina, Milam, Nacogdoches, Panola, Robertson, Rusk, Shelby, Travis, Trinity, Uvalde, Williamson, Zavala

We will let you know as soon as we can resume business as usual. In the meantime, our thoughts are with those who might be affected.

Please visit our web site for policy status, endorsements or quoting, or call Mike at 512.494.4161 x13 or Tony at x12 if you have any questions.

According to the U.S. Census bureau the first quarter of this year 1 in 9 U.S. homes – more than 19 million – were vacant.

Are any of those homes owned by your clients?

iMGA is proud to help fill this growing need with our new Vacant Dwelling program. Designed for Texas homes with current or post-renovation values up to $300,000, this program is designed to help meet this significant need.

This is an ADMITTED Vacant Dwelling program. As with all iMGA programs, the Vacant Dwelling product is EASY to quote and issue.

There are many reasons someone might own a vacant home:

  • Found a bargain and is waiting for the market to turn.
  • Is renovating the property for future rental or resale.
  • Had to move but couldn’t sell.
  • Inherited a property and haven’t decided what to do with it.
  • Was renting it out but decided they didn’t like being landlords.

There are even more reasons to use iMGA’s admitted Vacant Dwelling product:

  • 6-month and 12-month terms available (50% minimum earned premium)
  • Corporate entities (LLCs, LLPs, etc.) eligible
  • Renovation coverage available – including $5,000 for theft of unattached materials
  • Dwellings valued up to $300,000 and on up to 5 acres are eligible
  • Up to $300,000 liability coverage available on each dwelling
  • No reporting requirements – limit based on completed value including renovations
  • Unique admitted program offering using TDP1 policy form
  • Underwritten by San Antonio Indemnity Company and backed by their B++ A.M. Best rating
  • Direct-billed with paid-in-full and up to 8-pay installment options available
  • Older roofs can be excluded
  • Up to 9 dwellings on a single policy (unless mortgagee billed)
  • Fast, EASY quoting and instant policy issuance (for qualified properties)

So, next time you have a customer with a vacant dwelling for whatever reason, login and quote their Vacant Dwelling coverage with us.

We are proud to be able to help meet this need – and proud to work with fantastic texas agents. As always, if you have any questions about this or any of our other products, please call Tony at extension 12 or Mike at extension 13 and they’ll be glad to help you.

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.

Out of Focus Sunset

At iMGA we know how important it is to stay clearly focused. It’s the reason we’re focused completely on Texas Personal Property Insurance.

That focus is definitely producing dividends, as it’s already allowed us to make the following changes:

  • New secondary home eligibility. You can now cover unsupported secondary dwellings on the HOA and TDP products, opening up additional opportunities to meet those customers’ needs.
  • Mobile Home product improvements. You can now add Replacement Cost coverage and quote higher limits for adjacent structures and personal property than before.
  • Integrated ISO protection class look up. You don’t have to worry about which is the responding fire department or what their rating is any more.
  • Automatic ISO replacement cost calculation. In most cases all the needed data is now pulled from public records. Even if not, you only need to complete a couple of fields to get the value.
  • Independent inspection of the property. You don’t have to worry about having photos of the dwelling any more.
  • Easier quoting. By starting all quotes using the StartAllQuotesHere option, you no longer have to remember which program each risk qualifies for – the system will handle that automatically.

We’re constantly working to make things better, because at iMGA we’re focused on becoming the best MobileHome, TDP1/TDP3, HOA/HOA+ and Vacant Dwelling market available. So, please, quote one with us now.

Because with a clear focus, things just turn out better:

Clear Sunset

It’s St. Patrick’s Day, but you don’t need the Luck of the Irish to increase your agency’s sales.

Just use iMGA’s easy web site to quote all your Homeowner’s, MobileHome and Dwelling policies!

Take a look at just some of what’s at the pot of gold at the end of the iMGA rainbow:

  • Dwellings up to $300k (PC 1-9) or up to $100k (PC10).
  • MobileHomes up to $75k with personal property coverage up to 200% of dwelling amount (subject to $125k total max)
  • Replacement cost dwelling coverage available (subject to restrictions) on MobileHomes, TDP3 and HOA.
  • Coverage available on dwellings with dogs (except for certain breeds), pools (as long as fenced and no slide/diving board) and trampolines (as long fenced and netted).
  • And much more!

You don’t have to wear green to get all this, either. In fact, you can get it every day, not just St. Patrick’s Day. Just go to and watch your green grow!

At iMGA we’re listening to our agents, and we’re acting on the great input we’re getting.

Those ideas have resulted in lower down payments, easier quoting, more clear underwriting guidelines, higher limits for mobile homes and an easier referral process. And many more improvements are already on the way.

We’re constantly working to make things better, because at iMGA we’re focused on becoming the best MobileHome, TDP1/TDP3, HOA/HOA Plus and Vacant Dwelling market available. So, please, quote one with us now.

As always, we look forward to hearing your ideas of how we can improve even more. Please share them here. Because we know that NOT listening can be very dangerous.

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