Program Division
Admitted
Homeowners Core
Owner-occupied HO3 on replacement cost for Texas homes, backed by admitted, A-rated paper and inspection-backed underwriting.
HO3 · RC
Line and valuation
$600K
Coverage A, automatic
Owner
Occupied, duplexes eligible
Instant
Quote-to-issue in the portal
The paper behind the program
Arbor Reciprocal Exchange · Demotech Financial Stability Rating of A (Exceptional)
Who it fits
Well-kept homes, written with judgment.
- Single-family homes, well maintained, with visible pride of ownership
- Duplexes as the eligible multi-unit class
- Roofs to 15 years, older roofs may qualify with the roof excluded by endorsement
- Wood-burning stoves when not the primary heat source
- Trust, LLC, and estate ownership by referral to underwriting
- Wind pool zone homes written excluding wind, paired with a separate wind policy
Coverage highlights
Optional coverage where it counts.
Other structures
Optional, 10% or 20% of Coverage A
Personal property
Optional, up to 50% of Coverage A
Loss of use
Optional, 20% of Coverage A
Liability
Optional, up to $500K
Water backup
Optional, $5,000 or $10,000
VMM, theft, glass
Included
Standard across every Sycamore program
- Prior losses considered
- No credit check or prior insurance required to qualify
- Animal, pool, and trampoline liability by endorsement
- Solar panels and tiny homes eligible
- Townhomes with a firewall between units
- Instant issuance at portal.sycins.com
Sycamore products are sold through independent agents. Contact your agent for quotes and policy service.