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Powered by SES Risk Solutions, QUBIE provides the speed, efficiency, and coverage investors need. QUBIE is built onleading-edge technology and 30 years of industry insight, unlocking a world of possibilities. Quote and bind policies instantly, while gaining access to coverage that is custom-built for individual rental properties.

What is QUBIE? from SES Risk Solutions on Vimeo.

A property can be quoted and bound in QUBIE in just a matter of minutes. Below is a step by step video that walks you through the entire process, from getting that initial quote to having a policy issued. 

Agent Indication to Bind User-Experience from SES Risk Solutions on Vimeo.

Cancellations and Endorsements can be completed through the QUBIE account portal, You click the "View" button next to your listed policy to access the Policy Overview page. From this page you can cancel or endorse a policy. Below are details on when to endorse a policy.

Endorsements:

• Updating coverage amount
• Updating insured’s personal address or contact information
• Updating or changing MTG info
• Adding an additional insured

Endorsements from SES Risk Solutions on Vimeo.

Cancellations and Endorsements can be completed through the QUBIE account portal, You click the "View" button next to your listed policy to access the Policy Overview page. From this page you can cancel or endorse a policy. Below are details on when to cancel and reissue.

Cancel & Reissue:

• Changing named insured
• Changing payment methods aka escrow/ach billing
• Changing effective dates
• Changing deductibles
• Changing or editing property address

Cancel/Reissue from SES Risk Solutions on Vimeo.

While quotes are initiated in QUBIE by agents, the insured has access to a variety of different QUBIE functions post initial quote. The video below walks you through the Insured workflow and shows what the insured experience looks like.

Insured User-Experience from SES Risk Solutions on Vimeo.

To view a QUBIE sample policy.

Click Here

To view a QUBIE sample EOI.

Click Here

To view a QUBIE sample indication.

Click Here

To view an update list of QUBIE Tier 1 counties.
Click Here 

Powered by SES Risk Solutions, QUBIE provides the speed, efficiency, and coverage investors need. QUBIE is built on leading-edge technology and 30 years of industry insight, unlocking a world of possibilities. Quote and bind policies instantly, while gaining access to coverage that is custom-built for individual rental properties.

To view General QUBIE information. 
Click Here 

QUBIE does not write business in the following states:

• Connecticut
• Florida
• Hawaii
• Massachusetts
• New York
• New Jersey
• Pennsylvania

All policies are 12-months.

No.

The effective date should not be prior to the  date in which the policy was quoted.

Property type: This is pulled from the tax assessor. If no data is returned from the tax assessor then type is defaulted to "Single-Family Dwelling" 

Construction type: Defaulted to “Frame"

Year built and Square footage: Data is pulled from tax assessor. If no data is returned from the tax accessor then year built has a default of 1900 and sqft. has a default of 1500.

Building value: calculated based on average replacement cost within the respective territory.

Loss of rents: calculated as 10% of the building value

Dwelling: Maximum $1,000,000

General Liability:  $1,000,000 per occurrence with a $2,000,000 maximum aggregate 

Loss of Rents: $100,000

Ordinance or Law:

100% of the declared value with respect to 1.a.1

10% of the declared value with respect to 1.a.2

10% of the declared value with respect to 1.a.3

Water backup coverage of sewers and drains: $10,000

Personal Property Coverage: $5,000

View sample indication with coverages and limits:

Click to view 

Yes.

Coverage extensions allow for additional structures with the same address, that are within 100 feet of the property to be covered. Additional structures have a coverage limit of $250,000. The coverage limits need to be manually updated to account for additional structures when issuing a policy.

Cancellations should not be backdated beyond 30 days from the date of the cancellation request.

To view a list of all animals that are not allowed Click Here

> Select Customer Search on the top navigation bar

> Enter in the Policy Number of the existing account

> Select View Docs from the Policy Overview page

> Select the document you wish to view

Please direct all QUBIE questions or issues to our support team via email.

REI_support@ses-ins.com

Premium can be paid either by lender via escrow or instantly via ACH at time of bind.

>Select Customer Search on the top navigation bar

> Enter in the quote number or street address of the existing quote

> Select Complete from the Quote Overview page

All transactions generate a Quote number in QUBIE.

This includes:

• New Business
• Endorsements
• Cancellations

When you search by any of the quote numbers, it will display all different records of the policy whether new or endorsement

Adding a Property Manager to the policy is strongly recommended. Entering the Property Manager's Information on the Property Management page does not add them to the policy. 

To add the property manager to the policy you must select "Yes" to the question "Do you have an additional insured to add to the property?" and enter the property manager information.

Chubb (AM Best: A++)
Chubb Limited, is an American company incorporated in Zürich, Switzerland, is the parent company of Chubb, a global provider of insurance products covering property and casualty, accident and health, reinsurance, and life insurance and the largest publicly traded property and casualty company in the world.

No.  QUBIE assigns the carrier at random per property and it will not change if you re-quote.

No.  The policy offers the exact same coverages regardless of the carrier.