Exclusive Lead Opportunity

Apr 23, 2026 Cotopaxi
32 CR
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Categorization

Locked excess & surplus (likely) farmer friendly home & auto multi-auto non-renewal

Underwriting Factors

Strengths
  • Owner-occupied primary residence
  • Metal roof replaced in 2023
  • No claims reported in the last 5 years
  • Bundling opportunity with existing auto policy
  • Three vehicles currently insured
  • Complete underwriting details provided (DOB and driver’s license)
  • Spouse information fully provided
  • Strong urgency and readiness to bind coverage
Risk Factors
  • High wildfire exposure area
  • Prior policy non-renewed leaving property uninsured
  • Located in rural mountain area with limited carrier appetite
  • Extensive shopping across multiple agents and carriers (however no other quotes provided)
  • Difficulty securing coverage in current market
  • Fire score likely elevated based on location
Underwriting Notes
  • Single-family home
  • Basement approximately 65% finished
  • Mailing address same as property address
  • Preferred contact method is phone
  • Coverage start contingent on homeowners approval
  • Current auto carrier: Progressive

Key Insights

Est. Annual
Premium
$8000
Intake
Method
Phone Call
Existing
Policies
Requested
Quote
Ready?
Quote Ready
Personally
Qualified
No
Quoted by
Others
No

Prospect Summary

The prospect is seeking homeowners insurance coverage following a recent non-renewal, leaving the property currently uninsured. The situation is urgent, with multiple prior declines and active efforts to secure coverage as soon as possible. The prospect is open to bundling home and auto to improve eligibility and pricing, while prioritizing placement of the homeowners policy.

The risk profile reflects an owner-occupied single-family home located in the Cotopaxi area along the County Road 11 / Texas Creek corridor near the Arkansas River Valley at the base of the Sangre de Cristo Mountains. This is a rural, acreage-based area with limited fire protection and moderate to high wildfire exposure, which is the primary driver behind underwriting difficulty and the prior non-renewal.

Despite the property has a metal roof replaced in 2023, no claims history, and active auto coverage with multiple vehicles. Full underwriting details have been provided upfront, including DOB, driver’s license numbers, spouse information, and property details, allowing for a clean and efficient quoting process. The client is highly motivated, cooperative, and ready to bind immediately upon approval.  High premium potential for an agency who secure E&S coverage.

Activity Feed

All Activity
Notes Only
Claimed 4 months ago
By Brightway, The Scheibe Agency (Cr Amount: 32 CR, Agency: Brightway, The Scheibe Agency, Order Id: #3192)
Email Sent (Prospect Follow-up) 4 months ago
By System (To: rob.scheibe@brightway.com, Subject: Your Prospect Purchase: Dan Boyle – Home & Auto Bundle (Cotopaxi, CO), Template: purchase-notification)
No collaboration notes recorded.

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Price
32 CR
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Contact Details

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Phone
Email Address

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