Insurance

[Ethel Weaver]

I need to find an insurance company who will approve a multi-unit without central heating and air.   Does anyone have any suggestions.  The property is located in PA

[Dan G.]

I own an independent agency in Harrisburg.  Does the home have any type of thermostatic controlled heat?  The concern is frozen pipes, resulting in leaks and water damage.  What is the heat source?

[Ethel Weaver]

Floor board heating is the main source of heat.

[Dan G.]

Electric baseboard heat? If so, are they controlled by a thermostat?  

[Jason Bott]

@Dan G.  as an agent myself, I have not run into this before.  is this a common issue in PA?  

[Dave Lin]

PA agent here.  As long as there is heat, it's a non issue.  So baseboard heat is fine.  Most of my carriers only care if there is no heat or a wood stove as primary heating source. 

[Dan G.]

Central heat isn't a requirement, but without having some sort of heating method that is controlled by a thermostat is usually a no go.  If someone is relying solely only on a woodstove or space heater, usually the underwriting guidelines will say it is ineligible.  Even our sub-standard markets like Foremost will decline.   

[Dave Lin]

Oh, yeah. OP asked for suggestions. Really, all the carriers I know of will write it with baseboard heat.  I am actually curious as who the carrier is that won't write it.

[Brad Glenn]

I use Erie for almost all my properties.  PM me and I'll send you my agent's contact info if you like.

[Richard Fields]

Originally posted by @Brad Glenn:

I use Erie for almost all my properties.  PM me and I'll send you my agent's contact info if you like.

 I use Erie for my car insurance. Cheapest around I pay $660 yearly. (Alright..I'm old) Didn't know they did property insurance. Will defiantly be checking them out. Thank you