Phone: 

Underwriting: 516-472-7540 

Billing: (855) 231-7414 

Fax: 516-472-7533 

Email:  db_ny_ho_uw@dbinsus.com

dbunderwriting@clausenagency.com

When emailing policy documents, use ProtonMail and set the email password to “Insurance”

Billing Email: accountingny@dbinsus.com 

Notes: 

When binding, we must send the following using secure email (password for that email will be “Insurance”). Failure to include these documents will result in a cancellation notice being issued right away.

• Signed Applications

• Prior Dec Page or Renewal Offer / if closing hasn't occurred yet then proof of tentative closing date ex. lawyers email etc.. or commitment letter etc.

• Payment forms sent to accounting (if making a payment, otherwise this is optional)

• Alarm Certificates

Quoting Errors: Always email underwriting advising of agent errors PRIOR to updating the rate in the system.

Credits: Can you advise when these may be applied and what may be required?

• 50 Plus Discount: Assuming this is for someone over 50, but I assume there is more to it. yes, a. 50 one of the named insureds; b.not employed more than 20 hours per week outside of the residence premise (lol) c. must be primary residence. Discount applies to HO 2 3 4 5 and 6.

• Safe Home Credit: I assume they need to meet all 4 questions asked online? yes that's correct

• Account Credit: This is only for other DB policies, correct? yes

Enhancement Endorsement not available at this time, will be removed if added.

Are we allowed to list an HOA or Condo Association? Only has add'l interest not add'l insured of course this is due to ISO logistics.

If an insured and mortgagee make a payment, who does the refund go to? Per DB Billing, the refund will go to whoever was billed. If it is mortgagee billed, it would be paid to them. If it is insured billed, it will be sent to the insured.

Billing Plans

• 1 Payment - 100% Down

• 2 Payments - 60% Down

• 4 Payments - 30% Down

A $10.00 installment fee is applicable to all above plans.

Accepted Payment Types

PLEASE FOLLOW INSTRUCTIONS CLOSELY!

• E-Check – Click Here for the Form - You must have insured sign.

• EFT – Auto Payment from Checking – Click Here for the Form - You must have insured sign.

• Visa or MasterCard payments MUST be called in to  (855) 231-7414

Billing Questions and Payments: (855) 231-7414 (Payment forms are sent to accountingny@dbinsus.com)

Mailing Address

• Mail In Payment

PO BOX 844554

Boston, MA 02284

• Overnight Payment

1010 Northern Blvd, Suite 238

Great neck, NY 11021

Claims must be reported by agency using Acord First Notice of Loss

Procedure for claims: https://drive.google.com/file/d/1oTSrM7bvuDdniOylNE_M1a2dmpoXqYaz/view 

E-mail: ny.claimreport@dbinsus.com

AM BEST: A

Agency Code: 6017001                   

Hurricane Deductible: Cat 2+

Underwriting Guidelines for Homeowners Policy

New York Branch

A. Eligibility

We are currently offering the following products

• Form HO 00 02, HO 00 03, HO 00 05 for Owner-occupant(s) of a 1 or 2 family dwelling used only

for private residential purpose

• Form HO 00 04 for Tenant(s) (non-owner) of a dwelling or an apartment

• Form HO 00 06 for Owner(s) of a condominium or cooperative unit used only for residential

purposes

B. Ineligibility

• Tenant Occupied (For HO 2,3,5,6)

• Seasonal Dwelling / Secondary Dwelling / Vacant Dwelling

• Mobile Home, Trailer Home or House Trailer

• Business Occupancies

• Farm Property

• Dwellings under renovation/or construction

• Names NOT LISTED in the Deed/Title, as Additional Insured

C. Underwriting Rules

• Minimum Premium: $100

• Dwelling Limit

1. Minimum: $300,000

2. Maximum: $1,500,000

- HO2/HO6: up to $1,000,000

• Personal Liability Limit

1. Minimum: $100,000

2. Maximum: $1,000,000

- Tenant occupied HO4: Up to $500,000

- Owner occupied HO6: Limit over $500,000 will be referred to underwriter

• Personal Property Limit

1. HO4 / HO6: $30,000 ~ $1,000,000

2. HO2 / HO3 / HO5: 50% of Dwelling Limit (Minimum 40% of Dwelling Limit)

• Number of Families : 1 or 2 families only

• Protection Class

- Locations associated with protection class 8,9,10 are NOT acceptable

• Town House or Row House: We do NOT accept frame construction

• Deductibles

1. Base Deductible (All other Perils Deductible)

- $250, $500, $1,000, $2,500

2. Catastrophe Windstorm Deductible

- 2%, 5%, 10% of Dwelling Limit

- Minimum Catastrophe Deductible 2% in case of Territories Code 03, 04, 06, 07 and 46~50

(Richmond, Queens, Bronx, Kings, Suffolk, Westchester, Nassau County)

3. Windstorm Deductible

- $1,000, $2,000, $5,000

• Built Year

1. No coverage to properties built in 1920 and Prior regardless of renovation year

• Water Proximity

1. Properties within 0.6 mile from high water mark of any Ocean or Bay (From South Shore)

: NOT acceptable

2. Properties within 0.3 mile from high water mark of any Ocean or Bay (From North Shore)

: NOT acceptable

3. Properties within 1.0 mile from high water mark of any Ocean or Bay (Eastern Suffolk &Richmond County): NOT acceptable

• Construction Type

- Frame

- Masonry

- Superior

- Masonry Veneer,

- Mixed Construction – Frame

• Loss History

- Accounts with any loss(es) within the last 3 years will be referred to underwriter

• Roof Type

1. Pitched roofs must have been replaced in the past 20 years. This does not apply to metal, slate

or tile roofs

2. Flat roofs must have been replaced in the past 10 years for dwelling in Richmond, Queens,

Kings, New York, Bronx, Westchester and Nassau

3. Flat roofs must have been replaced in the past 15 years for all other counties

* Rules of Inspection

1) All Policies are subject to Exterior Inspection

2) Year Built 1921-1929 / Policies selected at underwriter’s discretion are subject to Interior

Inspection

※ Mandatory Documents

1. Upon Binding:

1) Signed Application 

2) Renewal Offering (or Incumbent Dec/similar) 3) Any documents requested at underwriter’s discretion

2. After Binding:

1) (if the property is new purchase) Closing Document within 10 business days from binding

D. Prequalification Questions

Quote will be declined if any Prequalification Questions is answered “YES”

1) Built in 1920 or prior?

2) Applicant indicted for or convicted of any degree of crime of fraud, bribery, or arson?

3) Any type of business conducted on the premises including day/child care or farming?

4) Mobile home, trailer home, manufactured home, earth home, dome home, log home, or straw built

home?

5) Currently vacant, in foreclosure, or for sale?

6) Currently under construction or renovation?

7) Partial or full knob and tube or aluminum wiring on premises?

8) Partial (or full) galvanized plumbing or polybutylene plumbing on the premises?

9) Any flammable or explosive materials on the premises?

10) Wood burning/coal/pellet stoves on the premises?

11) Non thermostat controlled heating on the premises?

12) Underground fuel oil tank on premises?

13) Titled in the name of a corporation, LLC, or other business entity?

14) Any uncorrected fire or building code violations?

15) Is this a seasonal, secondary, or temporary property?

E. Underwriting Questions

Quote will be referred to underwriter if any Underwriting Questions is answered “YES”

1) Dwelling with unfenced swimming pool/spa or non-standard diving board?

2) Is this an investment property?

3) More than 2 unrelated owners?

4) Trampoline without safety net on the premises?

5) Applicant owns, keeps, or shelters any dogs or exotic animals? (If Yes, please enter them in the remarks

box below)

6) Dwelling with pitched roofs that have not been replaced in the last 20 years? (This does not apply to

metal, slate, or tile roofs) This does not apply to condominium or co-operative building

7) Dwelling with flat roofs that have not been replaced in the last 15 years? (10 years for dwelling in

Richmond, Queens, Kings, New York, Bronx, Westchester, and Nassau) This does not apply to

condominium or co-operative building.

8) Dwelling with more than 2 lien holders?

9) Any coverage declined, cancelled, or non-renewed in the last 3 years?

10) Any residence employees? (If Yes, please enter the number and type of full and part time employees in

the remarks box below)

11) Dwelling attached to other property?