Ideal Accounts and Appetite
This program is well-suited for one-to-four family residential dwellings, including:
- Owner-occupied or tenant-occupied properties
- Vacant dwellings
- Seasonal or secondary homes
- Properties undergoing renovations or construction (Builders Risk/Course of Construction)
- Dwellings with low or high property values
- Properties in unprotected areas (e.g., limited fire protection)
We also accept hard-to-place risks that may not qualify for standard markets. For example, you might have a client with a vacant rental property in a rural area or a landlord with multiple tenant-occupied units—both could be a great fit for our Dwelling Fire Insurance solution.
Coverage Highlights and Advantages
Our program offers customizable coverage options tailored to your insured’s needs. Available coverages include:
- Fire and Extended Coverage
- Vandalism & Malicious Mischief
- Burglary
- Fair Rental Value
- Additional Living Expense
- DP-1 and DP-3 Forms
- Premises Liability
- Optional Personal Liability (including day care for up to five children)
- Monoline Liability or Monoline Property
- Residential Vacant Land – Monoline Liability
- Medical Payments
- Unit Owner’s Coverage for Condominiums
This flexibility allows you to design a policy that meets the specific exposures of each property, making it easier to place challenging accounts.
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the risk profile and selected coverages. Our team works with you to find solutions for unique and non-standard risks. We focus on underwriting flexibility to help you place accounts that don’t fit in the traditional market.
Territories and Availability
This program is currently available in the following states: AK, CA, ID, MT, NM, ND, OR, WA, and WY. Please note that not all coverages are available in every state—reach out to our team for state-specific eligibility and coverage details.
Why Work With Cochrane & Company?
Cochrane & Company is a trusted Managing General Agency offering specialized insurance solutions for unique and hard-to-place residential property risks. With access to a variety of carriers and a focus on customized underwriting, we provide responsive service and a strong market for agents who need alternatives to admitted homeowners programs. Let us help you find a home for your tough-to-place dwelling fire risks.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for one-to-four family dwellings, including vacant homes, seasonal properties, and tenant-occupied rentals—especially those that fall outside standard underwriting guidelines.
Can I submit risks that are under renovation or construction?
Yes, our Dwelling Fire Insurance program accepts Builders Risk and Course of Construction exposures, including properties undergoing renovations.
Is this program available in all states?
No, it is currently available in AK, CA, ID, MT, NM, ND, OR, WA, and WY. Coverage availability may vary by state.
What liability options are available?
We offer Premises Liability and optional Personal Liability, including coverage for in-home daycare operations for up to five children.
Are monoline options available?
Yes, both Monoline Liability and Monoline Property policies are available, providing additional flexibility for unique accounts.
Need help placing an account? Connect with a market specialist.