Understanding Customer Eligibility for Obie Instant Quotes

Obie Instant Quote Customer Eligibility Guide

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As an Obie partner, we want to work with you to ensure your customers receive a seamless and positive experience when protecting their investment property. Helping your customers avoid confusion and dissatisfaction around insurance begins with understanding who will most likely succeed with Obie's instant quotes.

By targeting the right leads, your team can ensure a smoother customer experience, leading to better results and more rewards for your business.

This guide will help refine your lead targeting by outlining Obie’s ideal customer profile and offering insights on common reasons for ineligibility.

Obie’s Instant Offering Guidelines

Serviceable Property Locations

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Builder's Risk Product Overview

If your customer intends to make renovations to their home, they may need additional coverage on their policy.
Below are some common scenarios that would label these renovations major vs. minor.

For Major Renovations

Obie offers Builder’s Risk policies for properties undergoing major renovations. This coverage is essential during significant structural changes or system upgrades. Whether the project involves adding square footage, replacing critical systems, or making the home uninhabitable for over 30 days, Builder’s Risk coverage protects the property
from unexpected losses during renovation.

Builder’s Risk is an excellent option for investors managing large-scale renovations, ensuring they are safeguarded from demolition to completion.

How do I Know if a Project Requires Builder’s Risk?

Qualification questions will be asked during the quoting process to help determine if a project falls under major renovations and requires a Builder’s Risk policy. If so, an Obie agent will follow up to finalize the quote and ensure proper coverage is in place.

A standard Obie policy will suffice for minor renovations—such as cosmetic updates and some projects where the property remains habitable.

Important Coverage Limitations

Before offering a policy, double-check these limitations to ensure your customers understand the coverage they will receive and avoid any surprises. It’s also important to note that every policy is different, and these limitations may vary for each product.

Dwelling Coverage: Available up to $1.25m (or $1.75m in California).

Personal Property Coverage: Starts at $100k, with a maximum of $250k. Not available in all states or products.

Replacement Cost Coverage: Available up to 40% above Obie’s estimated replacement cost but can vary
state-by-state.

Coastal Restrictions:

• Closed in Monroe County
• Closed - 3 miles within the counties of Broward, Miami-Dade, and Palm Beach
• 2 miles within the counties of Bay, Calhoun, Escambia, Franklin, Gadsden, Gulf, Holmes, Jackson, Jefferson, Leon, Liberty, Okaloosa, Santa Rosa, Wakulla, Walton, and Washington
• All other counties no less than 1 mile

‍Policy Payment: All policies are paid annually; monthly payment options are not currently available.

If a Property Is Not Eligible for Obie-Branded Policy

If your customer's property doesn't meet eligibility for an Obie-branded policy, we have alternative coverage solutions through our extended carrier network. While these solutions may require more detailed underwriting, we are committed to helping provide necessary protections when possible.

What Happens Next?

The customer will be immediately notified if a property is not eligible for an instant quote during the quoting process. Depending on the reason for ineligibility, an Obie agent may follow up to gather additional details to create a more personalized quote through alternative means.

Guidance on Common Home Features

The following common home features are less likely to be eligible for coverage:

• Roofs over 25 years old or made from wood materials
• Pools, trampolines, and swing sets that are not fenced in
• Accessory dwelling units
• Occupied by dog breeds labeled as “dangerous,” including, but not limited to: Akitas, Chow Chows, Doberman Pinschers, German Shepherds, Pit Bulls, Rottweilers, Siberian Huskies, or any mix of the above
• Knob and tube or aluminum wiring

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Disclaimer: The guidelines above offer an overview of eligibility for instant quotes through the Obie system and are not exhaustive criteria for inclusion. Obie may still be able to service customers whose properties do not fit perfectly into these guidelines but may require additional information before quoting.

1. Limited Availability in Florida and Texas.
2. For duplex, triplex, and quadplex homes, one unit may be owner-occupied. Service available in AZ, AR, CA, CO, IA, IL, IN, MI, MN, NC, NE, NV, NM, OH, OR, PA, TN, UT, VA, and WI.
3. Section 8 subsidized housing is ineligible for coverage from Obie.

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Page last updated: 9/5/25