Cabrillo Coastal along with Imperium Insurance Company offers Homeowners products in the state of New York.
Imperium Insurance is an admitted insurance carrier in all 50 states and the District of Columbia.
Financial Strength
Products Offered
HO3 - Standard Homeowners Policy
The Homeowners 3 is referred to as an all perils policy, covering your home and personal property from perils such as fire, lightning, theft and wind. It also includes coverage for your personal property and other structures associated with your home, as well as temporary provisions when your home is not livable. Personal liability and medical payments to others are also included. Ask your insurance representative about any other optional coverages you may want. Carefully read the policy to determine what is covered and what is not, as well as your responsibilities in the event of a loss.
DP3 - Dwelling Fire Policy
The DP3 is designed for seasonal, secondary or rental properties. It covers up to four family units. Because there is likely less need for extensive coverage for items like personal property as with a Homeowners 3 policy, the format allows you to save money by letting you only purchase the coverages you need. Consult your insurance representative about additional coverages for attached structures, personal property, and loss of rents until reasonably repaired. Please ask your insurance representative about other optional coverages you may require. Carefully read the policy to determine what is covered and what is not, as well as your responsibilities in the event of a loss.