Dwelling Fire
Not all business will qualify and may not be available in all states. The Underwriting and Coverage options below are a general summary. Coverage may vary depending on the state and risk. Please contact your Account Executive for details specific to your risk.
Product Advantages
- HO3, HO5, and DP3 available nationwide
- Wind coverage available (some restrictions may apply)
- In house binding authority up to $10,000,000
- Ability to package multiple products on single policy
- 1-4 Family Dwellings acceptable
- Duplex, triplex, and quadplex acceptable
- Minimum coverage A – $100,000
- Earthquake coverage available
- Sinkhole coverage available in Florida (depending on risk location and carrier)
Eligible Risks
- Individuals, trusts, estates, LLC’s, limited partnerships, and corporations
- Primary, Secondary/Seasonal, Tenant Occupied, Vacant, Renovation, and Builder’s Risk
- PC 1-10
- Builders Risk for new construction and/or renovations (converts to an HO3 or HO6 at completion of project)
- Prior losses ok
- Log homes acceptable (some restrictions apply)
- Older homes acceptable with updates to all systems within the last 35 years
Submission Requirements
- Completed application
Please contact your Account Executive for state specific guidelines and limits.
1-2 Family Dwelling Product
(All States Except AK, AL, CA, FL, HI, KY, LA, MS, WV)
- Package policies available on Basic Form DP-1 or Special Form DP-3
- Available for 1–2 family tenant-occupied locations
- Available for 1–2 family owner-occupied locations†
- Eligible insureds include individual, trust, estate, family, limited partnership and LLC
- Dwellings under renovation are eligible on Basic Form DP-1
- Coverage A (Building) starting at $75,000 on Basic DP-1*
- Coverage A (Building) starting at $100,000 on Special Form DP-3*
- Special Form DP-3 available for properties up to 90 years old
- Up to 10 locations per policy*
- Maximum property coverage of $1,000,000 total insured value
- Liability limits up to $1,000,000
- Medical payments of $5,000
- Flat roofs up to 15 years available on both DP-1 and DP-3
- Deductibles available from $1,000 to $5,000
ADDITIONAL Advantages
- Comprehensive personal liability coverage is available up to $1,000,000 including personal injury coverage
- Additional insureds can be added free of charge
- No mandatory roof exclusion
- Actual cash value roof endorsement available on Special Form DP-3
- Discount available for sprinkler fire protection systems
- Efficient online capabilities and phone quoting
- A.M. Best rated A++ carrier
Business Resource Center, Provides centralized access to business solution vendors for all policyholders
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- Human resources services
- Pre-employment and tenant screenings
- Identity theft protection
- Marketing resources
Call 1-888-875-1969 for an Instant Phone Quote
*Varies by state, contact your underwriter for more information
Coverage not available in AK, AL, CA, FL, HI, KY, LA, MS, WV
