Question 1

Do you write coastal and wind-exposed property?

Accepted Answer

Yes. Coastal, wind and hail-exposed dwellings are supported, though many require underwriter review rather than an instant bind.

Question 2

Can I place a home with prior claims?

Accepted Answer

Often yes. Provide the loss history and repair documentation with the application so we can pair the risk with the right carrier.

Question 3

How do I get a personal umbrella?

Accepted Answer

Umbrella capacity is available over supported underlying limits. Search the marketplace for umbrella or email the personal lines team.

Question 4

Does INVO write vacant, seasonal or renovation dwellings?

Accepted Answer

Yes. Vacant, renovation and seasonal dwellings are in appetite, along with dwelling fire and landlord rentals written on DP1 through DP3 forms. Instant indications are available for eligible risks, while high-value, coastal and distressed property goes to personal lines staff for review. Send the completed personal lines application and the prior carrier declarations page to personal@invounderwriting.com.

Question 5

Can I place a homeowner with a lapse in coverage or a non-standard history through INVO?

Accepted Answer

Often yes. Prior-loss, lapse-in-coverage and non-standard applicants are part of the Personal Lines appetite for owner-occupied HO3 and HO5 homes. Include the completed personal lines application and the prior carrier declarations page so the team can match the risk to the right carrier. Commercially owned residential schedules route to Commercial Specialty, and personal auto monoline is not written.

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