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INFORMAL REFERRAL PROGRAM (IRP) LIST

HOMEOWNER INSURERS WRITING BUSINESS IN COASTAL AREAS

     
   

   
                 
                 

Insurance Company

Contact Phone #

Min. Distance from Shoreline

Underwriting Restrictions

Group NAIC #

                 

Allstate Ins. Co.

See Yellow Pages

 

1500 feet

 

~

 

008

                 

Cambridge Mutual Ins. Co

See Yellow Pages

 

1000 feet

 

10 feet elevation

 

022

   

for agent

           
                 

Merrimack Mutual Ins. Co.

"

 

"

 

~

 

022

                 

Centennial Ins. Co.

See Yellow Pages

 

1 mile

 

~

 

024

   

for agent

           
                 

Atlantic Mutual Ins. Co.

"

 

"

 

~

 

024

                 

Amica Mutual Ins. Co.

(800) 242-6422

 

See Restrictions

 

Risks individually reviewed

 

028

                 

Chubb Ins. Co of NJ

See Yellow Pages

 

Submissions

 

Submissions

   
   

for agent

 

individually reviewed

 

individually reviewed

 

038

                 

Federal Ins Co.

"

 

"

 

"

 

038

                 

Great Northern Ins. Co.

"

 

"

 

"

 

038

                 

Pacific Indemnity Co.

"

 

"

 

"

 

038

                 

Vagilant Ins Co.

"

 

"

 

"

 

038

                 

Affiliated Ins. Co.

(800) 343-7722

 

None

 

Only employees of Factory

 

065

           

Mutual & Affil. FM Eligible

   
                 

American National Fire Ins.

(203) 683-4731

 

5000 feet

 

~

 

084

                 

Hanover Ins. Co.

See Yellow Pages

 

2640 feet

 

~

 

088

                 

State Farm & Cas. Co.

"

 

1000 feet

 

No new business on

   
           

Long Beach or Island Beach

 

176

                 

First Trenton Indemnity

"

 

See Restrictions

 

No flood Zone V* Within

   
           

1 mile of tidal water must

   
           

have intervening structure

   
           

between dwelling & water

 

189

                 

United Service Auto Assoc.

(800) 531-8722

 

See note

 

Only commissioned or

   
           

warrant officers, cadets,

   
           

midshipmen and other

   
           

candidates for commission,

   
           

permanent employees of

   
           

USAA, former USAA

   
           

members widow or

   
           

Widower of above not

   
           

remarried are eligible

 

200

                 

USAA Casualty Ins. Co.

"

 

"

 

Former Dependents and

   
           

spouses USAA members,

   
           

former USAA-CC members

   
           

former employees of

   
           

USAA are eligible

 

200

                 

Graphics Arts Mutual

See Yellow Pages

 

1500 feet

 

10 feet elevation

 

201

   

for agent

           
                 

Utica Mutual Ins. Co.

"

 

"

 

"

 

201

                 

Excelsior Ins. Co.

"

 

2000 feet

 

15 feet elevation

   
           

No seasonal residence

   
           

Optional wind deductibles

   
           

Homes over 35yrs. old

   
           

subject to inspection

 

229

                 

Netherlands Ins. Co.

"

 

"

 

"

 

229

                 

Colonial Penn Ins. Co.

(800) 523- 1919

 

See Restrictions

 

Any within 1000 feet of

   
   

or see Yellow Pages

     

ocean must have flood

   
           

insurance to be considered

 

239

                 

Selective Ins. Co.

See Yellow Pages

 

1500 feet

 

10 feet elevation

 

242

   

for Agent

           
                 

Harleysville Mutual Ins.

See Yellow Pages or

 

1 mile

 

15 feet elevation

 

253

   

call (215) 256-5647

           
   

for nearest agent

           
                 

Prudential P & C of NJ

(908) 946-6050

 

1000 feet

 

No new business on

 

304

           

Barrier Island

   
                 
                 
                 
                 
                 

Providence Mutual Fire Ins.

See Yellow Pages

 

1000 feet

 

10 feet elevation

 

382

   

for agent

           
                 
                 

Pawtucket Mutual Ins. Co.

"

 

2500 feet ocean

 

12 feet elevation

   
       

1500 feet bay

 

11 feet bay

 

497

                 

NJ Re-Insurance Co.

(800) 882-6573

 

~

 

Flood Ins. required in

   
           

Zone A & V. Minimum

   
           

Deductible $1500. Subject

   
           

to inspection. 100%

   
           

replacement value required

 

35432

                 

Fireman's Fund Ins. Co.

See Yellow Pages or

 

2500 feet

 

No new business

   
   

call (610) 861-7100

     

on Barrier Island

 

761

                 

American Ins Co.

"

 

"

 

"

 

761

                 

National Surety Corp.

"

 

"

 

"

 

761

                 

Fireman's Fund Indemnity

"

 

"

 

"

 

761

                 

PSM Ins. Co.

See Yellow Pages

 

1320 feet

 

25 feet elevation

 

853

   

for agent

           
                 

Hartford Casualty Ins.

"

 

2000 feet ocean

 

No new business

   
       

2000 feet bay

 

on Barrier Island

   
           

20 feet elevation

 

914

                 

Twin City Ins. Co.

"

 

"

 

"

 

914

                 

Hartford Underwriters

"

 

"

 

"

 

914

                 

Hartford Fire Ins.

"

 

"

 

"

 

914

                 

Quincy Mutual Fire Ins.

See Yellow Pages

 

1000 feet ocean

 

20 feet elevation

   
   

for agent

 

500 feet bay

 

Seasonal property only

   
           

in conjuction with primary

   
           

home coverage

 

None

                 

Farmers Mutual Fire Ins.Co

See Yellow Pages

 

~

 

~

 

None

of Salem County

for agent

           
                 
                 
                 
                 

Proformance Ins. Co.

(800) 298-5742 or

 

~

 

20 feet elevation

   
   

See Attached List

     

Properties subject to

   
           

inspection

 

None

                 

Armed Forces Ins. Exec.

(800) 255-6792

 

None

 

Military Personnel

   
           

Eligible $600,000

   
           

Max. home value

 

None

                 

Newark Ins. Co.

See Yellow Pages

 

3000 feet

 

12 feet elevation

 

None

   

for agent

           
                 
                 
                 

Aetna Casualty & Surety

(800) 974-4488

 

3000 feet

 

10 feet elevation

 

001

                 

Auto Ins. Co. of Hartford

(800) 974-4488

 

3000 feet

 

10 feet elevation

 

001

                 

Standard Fire Ins. Co.

(800) 974-4488

 

3000 feet

 

10 feet elevation

 

001

                 

American & Foreign Ins.

See Yellow Pages

 

1500 feet

 

12 feet elevation

 

162

   

for agent

           
                 

Globe Indemnity Co.

"

 

"

 

"

 

162

                 

Newark Ins. Co

"

 

"

 

"

 

162

                 

Royal Ins Co.

"

 

"

 

"

 

162

                 

Royal Indemnity Co.

"

 

"

 

"

 

162

                 

Safeguard Ins. Co.

"

 

"

 

"

 

162

                 

Huron Insurance

"

 

"

 

"

 

253

                 
                 

NOTE: The company underwriting guidelines included on this IRP list are those that concern

 

a property 's distance from the ocean or bay and elevation above sea level. You should be aware the

companies listed here may have other underwriting guidelines which are not related to location, such

as the condition of the property, prior loss experience, etc. Companies will use these guidelines in

deciding whether to insure your home.

           
                 

*Flood zone references related to flood insurance coverage available through the National Flood

   

Insurance Program (NFIP). For more information about the NFIP, ask your insurance agent or

   

company or call the NFIP's toll-free number at 1-800-638-6620.