HO-3 Home Owners Insurance Program

Several issues can keep you from securing home coverage through your in house markets, including adverse claims history, low IBS scores, mono-line secondary or simply having to place multi-lines with separate carriers, we can offer solutions.

Med James, Inc. offers homeowners coverage on a national basis for homes from $150,000 to multi-millions.

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Find Underwriter

Find Underwriter
Find Applications

Find Applications
Submit a claim

Submit a claim

Become a producer, access our markets and grow your agency.

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Key Features of the HO-3 Program

  • 80 years of age and newer
  • Occupancy type - Owner, seasonal and short term rental available
  • Maximum of three losses in the past three years
  • Replacement cost
  • No photo required, company will inspect
  • Protection class 9 and 10 accepted

Every year, heavy rains brings flooding

Every year, an insured finds out the hard way that their homeowner’s policy excludes this exposure.

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