Homeowners
The personal line a commercial agency still has to place — the client asks, and there is nowhere to send it. Send the declarations page and the dwelling limit, the coverages, the deductibles and the loss history come across with it.
Cennairus is a licensed wholesale insurance broker: retail agents send us the accounts their own markets cannot place, stay the agent of record, and we take each account to the markets on our panel of 145 carriers that write it. Homeowners insures an owner-occupied house under a home form, and the form decides how a loss settles. Cennairus gives a commercial agency somewhere to send the household: the declarations page brings the dwelling limit, coverages, deductibles and loss history with it, and availability is decided market by market on the specific home, not from a published state list.
Start a submission
The dec page and a few fields — we work it with our markets and come back with real terms. No obligation.
Photo: Curtis Adams / Pexels
A commercial agency asked for a home no longer refers the household away and hopes it comes back. Send the address and the dec page; we pick the form before we pick the market — HO-3 for most owner-occupied homes, HO-5 when the contents deserve open perils, HO-8 for an older house that could never be rebuilt the way it was.
Auto, umbrella, flood and scheduled articles are worked off the same file once the dwelling and the family are on it. The lender makes the house first in the folder; the rest of the household follows it.
What you place through Cennairus pays you, settled monthly through your wallet, on the same terms as the commercial book you already write here.
The current or prior declarations page carries the dwelling limit, Coverage A through F, the deductibles, the endorsements and the loss history — most of the submission, already written down. Add the roof year and the roof material if the page does not name them.
A Cennairus producer takes the file to the markets we are appointed with and asks what a homeowners underwriter asks: roof age and material, the year built and the four updates, construction, distance to a hydrant and a fire station, prior losses, and on the coast the wind exposure.
Terms, a question from the underwriter, or a market that passed. You hear it from us either way, and the relationship stays with your agency.
The document does the typing
Document reader — uploaded file, read, attached to the account.
Cennairus runs a document reader across the paperwork an agency already holds — applications, loss runs, prior policies. A homeowners declarations page goes into the same reader. Out come the dwelling limit, the other coverages, the deductibles, the endorsements and the loss history, attached to the account instead of retyped into it.
That matters most on the files nobody wants to touch: an older home with three endorsements, a coastal home with a separate wind deductible, a household that has changed carriers twice.
Who buys it: owner-occupants whose lender will not close without it; families moving up from a first home; retirees in an older house; coastal and second-home owners; and the commercial client who asks the agency that writes the business to handle the house as well.
The roof that is fifteen years old, the wind that comes up the coast, and the inspection that decides whether anyone will write it — that is what this line turns on.
Send the risk with the address and we tell you whether we have a market for that house. Availability is decided market by market, not by a published state list, so the answer comes back on the specific home.
Yes, case by case. Distance to water, roof shape, opening protection and a wind-mitigation report decide which markets will open the file. Send the inspection if the client has one, and expect wind and hurricane damage to sit under their own percentage deductible.
Most markets carry a roof-age rule and many split it by material. A roof past that rule needs a recent replacement date, a current inspection, or a market that rates roofs separately. Age is also what usually moves the roof from replacement cost to actual cash value, so tell us the year and the material up front.
It depends what it was and when. A single weather claim is routine; two non-weather water losses in three years is a different file. Send the loss history with the dec page.
When the dwelling limit, the scheduled property or the liability exposure outgrows a standard HO form — a high replacement cost, serious collections, or an estate-sized liability need. That account belongs on a high-value home policy.
You keep your commission, settled monthly through your wallet, the same as on the commercial lines you already send us. Cennairus is the wholesale broker on the placement and the client relationship stays with your agency.
Send the dec page, or just the address and what the last carrier said.
