What is a moratorium?

A moratorium is a period of time set by the insurer during which a new policy or increase in coverage cannot be issued. During this period of time certain types of insurance, including Specialty Homeowners, cannot take effect. Moratoriums are usually established when a catastrophic event is anticipated for an area.

For example, areas under threat of a tropical cyclone (i.e. , hurricane or tropical storm) or a wild fire are not eligible for coverage during the moratorium period designated by the company. To determine if your area is under a moratorium, call 1-877-467-6787.

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