Homeowner's Insurance

Century-National is a stable and trusted provider of Homeowners and Dwelling Fire Insurance in California, Arizona, Nevada, Oregon and Washington. Our flexible and comprehensive coverages include:

• Replacement Cost Coverage for the dwelling structure up to 200% of Coverage A (unlimited Replacement Cost in AZ and NV)

• Personal Property Replacement Cost Coverage

• Dwelling Fire Coverage

• Earthquake Coverage - both Standard and Comprehensive formats, and the new Equity Protector Earthquake policy

• Mortgage payment protector

• Very competitive rates

• Discounts for new loans and new homes

• Excellent service and responsiveness to policyholders and lenders

Turnkey Program

Our exclusive turnkey marketing and customer service program can manage the entire process of providing insurance to your policyholders. Our very qualified and experienced staff will act as your in-house agency by:

• Maintaining sales records and reports

• Performing all agency customer service functions

• Providing timely production and retention reports

• Offering customized services to fit individual needs

• Offering direct mail on your behalf to market the program

Mortgage Portfolio Protection

Our Master Policy Coverage Program provides automatic hazard insurance to all properties in your loan portfolio, ensuring coverage for each property when there is a lapse in coverage from the borrower. This program includes:

• No policy fees or minimum earned premiums

• Replacement cost coverage for residential properties

• Insured values of up to $2,000,000

• Vandalism included as extended coverage and waiver of vacancy exclusion

• A Blanket Condominium Endorsement for individual condominium units

• Competitive rates

Loan Tracking

With our Loan Tracking system, you can customize insurance rules to fit your institution. You can establish rules for each category of loan in your portfolio, with specific parameters for maximum allowable deductibles, required AM Best rating, replacement cost coverage, and much more. Century-National also offers full service tracking, enabling your institution to avoid large investments in systems and personnel. The Loan Tracking System includes:

• Customized insurance rules permitting lenders to define insurance parameters

• Same day processing of insurance mail

• Customized reminder notices to the borrower

• Flexible time interval between notices and force-order insurance

• Loan file imports transmitted via encrypted email, secure FTP or tape delivery

• Comprehensive output reports

• Much more

Flood Insurance Services and Fulfillment

Century-National is a long-time partner of the National Flood Insurance Program, and can facilitate your institution's compliance with federal laws with a comprehensive flood insurance program, complete with flood determinations on your properties, quick quotes and policies issued for properties in flood zones. We also offer the following:

• Quickquote rating for single and multiple zones

• Specialized agency customer service

• Immediate response for escrow closings

• Flood zone determination

Earthquake Coverage

When it comes to Earthquake Coverage, we offer one of the most comprehensive programs available. In addition to providing competitive rates for the standard earthquake endorsement, we also offer a comprehensive earthquake endorsement with broader coverage and a lower deductible. Century-National is one of the few companies to also offer a "Stand-Alone" Earthquake policy. This means that we can provide an Earthquake policy to your policyholders, regardless of who insures the home. CNI's new Equity Protector Earthquake policy allows for lower earthquake deductibles and is unique in the industry. And with all of our Earthquake policies comes our excellent, responsive customer service.

For more information on our comprehensive products and services, call Charlie Pidancet at 1-800-733-0880. Trust us. You'll be glad you did.