Exclusive Lead Opportunity

Feb 22, 2026 Woodland Park
42 CR
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Categorization

Locked excess & surplus (likely) home & auto homeowners

Underwriting Factors

Strengths
  • The prospect was directly qualified over the phone which confirms intent and accuracy of details
  • Actively seeking immediate coverage with a requested start date as soon as possible
  • Willing to bundle homeowners and auto coverage
  • Existing homeowners and auto insurance currently in place which reduces lapse risk
  • Concrete tile roof which is a favorable roofing material for underwriting
  • Fire mitigation completed with defensible space
  • Located within a Firewise-recognized community
  • Existing insurance policies are available to import for accurate quoting
  • Property is owned free and clear with no mortgage
  • Basement is 100 percent finished
  • Two vehicles disclosed with clear usage details
  • The prospect was responsive and engaged throughout the intake process
  • Clear motivation to save money and move forward with new coverage
  • High-value single-family home with an estimated value above $1,000,000
Risk Factors
  • First Street Fire Score is 9 out of 10 indicating very high wildfire exposure
  • Roof age is approximately 30 years which introduces underwriting scrutiny despite favorable material
  • Carrier availability is limited in the area due to wildfire risk
  • E&S placement is likely due to wildfire exposure and roof age
  • The prospect indicated she has contacted other insurance providers who declined coverage which suggests active shopping
Underwriting Notes
  • Property is the prospect’s primary residence
  • Coverage requested to begin as soon as possible
  • Prospect specifically requested reduced and customized contents coverage separate from dwelling reconstruction cost
  • Mailing address is the same as the property address
  • Spouse is on title but does not drive due to medical condition
  • Prospect is the sole driver on both vehicles
  • Price is deeply discounted given the underwriting challenge

Key Insights

Est. Annual
Premium
$3500
Intake
Method
Phone
Existing
Policies
Requested
Quote
Ready?
Quote Ready
Personally
Qualified
No
Quoted by
Others
Yes

Prospect Summary

The prospect is seeking bundled homeowners and auto insurance primarily to reduce premium costs after becoming increasingly dissatisfied with rising rates from her current provider State Farm. She has explored alternative options after multiple carriers declined coverage due to wildfire exposure in her area. The property is located within a Firewise-recognized community with completed mitigation efforts which helps offset some wildfire risk though the First Street Fire Score remains very high. She was engaged throughout the intake and clearly articulated specific coverage needs especially the desire to customize and reduce contents coverage separately from dwelling reconstruction cost due to minimal personal property. While wildfire exposure roof age and potential shopping activity present real placement challenges the prospect remains motivated cooperative and interested in moving forward with coverage as soon as possible.

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Price
42 CR
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Contact Details

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