Corporation

Unique Personal Lines

The MSO personal lines program integrates homeowners, mobilehomeowners, combination dwelling and personal inland marine in a unique program that provides maximum flexibility.

The program is easy to work with, since 90% of the rules, rating and endorsement procedures are the same for each product. That means underwriters and agents only have to learn one set of rules and forms. The similarities also help to simplify procedures and avoid conflicts when adding certain coverages to a homeowners policy, such as inland marine or combination dwelling.

Our personal lines program is fully adaptable to individual needs, giving companies the option of using just one, or any combination of the four products offered. Most important, MSO personal lines products are competitively priced, while offering broader coverage.

One set of forms, one manual

We've devised a universal set of forms for our personal lines products. Not only have we significantly reduced the total number of forms and endorsements needed to write personal lines business, we've eliminated coverage conflicts between the four products. We've also eliminated the need to attach endorsements by integrating common endorsements into the main forms. All forms are coded for fast, easy identification.

The personal lines manual is divided into four stand-alone, yet similarly formatted, sections for ease in writing both packaged and individual policies. For example, rules and rates are organized in the same manner in each section. The same charges and credits are used for common optional coverages as well. Sections are coded for fast identification. And the manual's loose leaf format makes it easy for companies to update and customize.

Homeowners

Our program provides all the standard homeowner coverages, plus several unique enhancements. It automatically includes personal property coverage equal to 60% of the Coverage A amount. It features a true "no limit" option for Coverage A, B, and D, and increased limits on Coverage C items. It also includes a preferred homeowners discount, expanded coverage for condominiums, including those rented to others; and a special homeowners option that provides coverage for homes with replacement costs far in excess of their real value. A mobilehomeowners policy is also available.

Combination Dwelling

One policy provides both property and liability coverage for dwellings not eligible for a homeowners policy. All coverage options track with the homeowners policy, making it easier to use individually or in combination with homeowners coverage. Adding to the flexibility of the policy, property coverage can be written as simple fire-only coverage or as comprehensive property coverage similar to that offered in our homeowners policy.

Likewise, liability is available as premises-only or comprehensive personal liability coverage. Coverage for small condominium associations is also available.

Personal Inland Marine

Our personal inland marine policy provides property "floater" coverage as an endorsement to either our homeowners, combination dwelling or mobilehomeowners policies. Forms and endorsements are also provided for a stand alone inland marine policy. To simplify rating, inland marine rates track with the rates of our homeowners, combination dwelling and mobilehomeowners policies.