Locked excess & surplus (likely) farmer friendly home & auto RV
Underwriting Factors
Strengths
Primary residence (owner-occupied) which is viewed more favorably by carriers
Metal roof which is more durable and fire-resistant than standard asphalt shingles
Water heater updated in 2020
Complete data provided including DOB, driver’s license numbers and second driver details
Bundle opportunity with home, auto and RV which can improve overall placement and pricing
Smoke detectors installed and confirmed working
Willingness to insure multiple exposures under one account which increases premium potential
Risk Factors
Rural Western Colorado location which may still carry elevated wildfire exposure and limited fire protection access
Roof from 2011 which is aging and may draw underwriting scrutiny despite being metal
Solar panels on the roof which can limit carrier eligibility or require specialty underwriting
Older plumbing, heating and electrical systems (all from 2011) which are no longer considered new
Multi-exposure bundle including RV which increases overall liability and underwriting complexity
Additional driver adds risk depending on driving history and profile
Prospect has not yet responded to requests to import their existing policies
Underwriting Notes
Mailing address same as property address
Primary residence (not a secondary or rental property)
Second driver listed as domestic partner with provided personal details
Key Insights
Est. Annual Premium$6200
Intake MethodWeb Form
Existing Policies
Requested
Quote Ready?Quote Ready
Personally Qualified
No
Quoted by Others
No
Prospect Summary
This prospect is seeking a bundled home, auto and RV insurance package for a primary residence in Collbran, Colorado. The home features a metal roof installed in 2011 along with solar panels, and includes a second driver and RV exposure as part of the overall risk profile. The property appears to be owner-occupied with standard system updates and no immediate red flags based on the information provided.
From an underwriting standpoint, the primary consideration is the property’s rural Western Colorado location, which may carry elevated wildfire exposure even if not explicitly designated. This can impact carrier availability, pricing and eligibility, particularly for bundled risks. Overall, the account should be workable in standard or near-standard markets, but options may narrow depending on additional factors such as protection class, loss history and driving records.
Activity Feed
All Activity
Notes Only
Email Sent (Lead Assignment)5 months ago
By System (Recipient: Heather Lietz)
Claimed5 months ago
By Patriot Insurance Inc (Cr Amount: 46 CR, Agency: Patriot Insurance Inc, Order Id: #2087)
Email Sent (Lead Follow-up)5 months ago
By System (Recipient: Patriot Insurance Inc)
No collaboration notes recorded.
Lead Workspace Locked
Purchase this exclusive lead opportunity to unlock full contact information, notes collaboration, status tracking, dispatching and attachments.
