Lifestyle 55 Plus

Condominium & Townhouse Program

Utica First is the first company to offer a condominium / Townhouse Policy aimed specifically at America’s fastest growing population segment-- folks over 55 years of age. As families approach retirement, many are choosing to downsize from larger homes to more manageable sized properties. This Program includes a wide variety of special coverages at Rates that are LOWER than our everyday condominium prices! Our unique increase of improvements and betterments coverage to 50 % of coverage C makes this policy your best value in condominium and townhome policies.


  • Named Insured must be age 55 or above (But does NOT have to be retired)
  • Home must not be rented to others
  • Minimum Values: $20,000
  • Maximum Values: $400,000
  • Personal Inland Marine: $10,000 maximum one item and $50,000 maximum schedule

Coverage Enhancements

  • Identity Fraud: $1,000
  • Personal Liability: $300,000
  • Jewelry, Watches, Precious & Semi-Precious stones, gems, & Furs: $1,500 per item and $5,000 total Schedule (includes mysterious disappearance)
  • Silverware, Goldware, and Pewterware, including gold or Silverplated items: $1,500 Per Item and $5,000 total schedule (includes mysterious disappearance)
  • Personal Injury coverage
  • Lock Replacement: $500
  • Loss Assessment: $5,000
  • Credit and Fund Transfer Cards: $10,000
  • Business Property: $5,000 on Premises, $500 off Premises
  • Condominium Unit Owner Additions: increased to 50%
  • Personal Property away from Premises due to Flood, Earthquake, or Collision: $1,000
  • Back-up of sewers and Drains: $2,000

Contact your Underwriter

  • If Risk is less than 3000 feet from any coastal shore (Suffolk Co. NY: Must be 2 miles from south shore and I mile from North shore)
  • If Risk has experienced any losses in last 3 years
  • If Risk owns any questionable Pets (as defined in our manual)
  • If Risk would also like a quote for an Umbrella

To Quote and Bind

  1. Login to agent portal.
  2. Select New Business
  3. Complete the application screens and select Quote
  4. Collect 25% down payment and send with app to Utica First

Note: Coverage highlights for information only. Consult actual policy for precise coverage applicable.