Obie works with a carefully selected network of carriers to offer flexible, reliable coverage for landlords and investment property owners. This FAQ helps clarify how carrier options are selected behind the scenes, and highlights what partners and their customers can expect.
Q: How does Obie determine which carrier a customer is placed with?
A: Obie’s quoting engine automatically evaluates eligibility and coverage needs to match customers with the best available carrier.
Depending on the state and property details, we’ll surface a policy through one of several trusted partners, including Hadron Specialty Insurance Company, Southlake Specialty Insurance Company and Evanston Insurance Company.
Each carrier offers strong rental property coverage, but some differ in areas like property type, roof age, or coastal proximity. Our system prioritizes quoting the carrier that offers the most favorable terms for the customer’s unique situation.
Q: Will customers have a choice in carrier?
A: Customers won’t select a carrier manually. Obie’s platform does the heavy lifting to ensure the best-fit option is presented to the customer first based on underwriting guidelines and available coverages.
However, all carriers offered by Obie are highly rated and vetted to meet our service and financial stability standards.
Q: What makes Southlake and Evanston, Obie’s newest product offerings, unique?
A: Both Southlake and Evanston offer non-admitted Dwelling Fire policies tailored for rental property owners. Some highlights:
- Southlake is ideal for properties with older roofs (up to 40 years) or in need of flexible endorsement options.
- Evanston allows for the broadest eligibility, covering everything from long-term vacancies to fix-and-flips, and has fewer restrictions on coastal properties.
Both carriers support home-sharing, rental condos, and optional coverage enhancements.
Q: Where are these carriers available?
A: Southlake is currently available in AZ, CA, CO, CT, DC, DE, GA, IA, ID, IL, IN, KY, MA, MD, ME, MI, MN, MO, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OR, PA, RI, SC, SD, TN, UT, VT, WA, WI, WV, WY
Evanston is available in all states except AK, HI, NJ, NY, PA, WV, RI, and WY.
Obie will continue expanding carrier availability to provide nationwide access to competitive options.
Q: How do customers file a claim?
A: Regardless of carrier, customers can file claims directly through their Obie dashboard at app.obieinsurance.com.
Q: Where can I find updated carrier availability?
A: The Partner Resource Hub will remain up-to-date with information on state availability and coverage highlights across Obie’s carrier network.
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