Colonial General Insurance Agency, Inc. offers a flexible and comprehensive Dwelling Liability Only Insurance program tailored for one- to four-family residential properties. Whether you're working with owner-occupied, tenant-occupied, seasonal, or vacant dwellings, we provide solutions to fit your insureds’ unique needs—especially when standard markets fall short.
Ideal Accounts and Appetite
This program is designed for agents looking to place residential dwellings that don't meet traditional underwriting criteria. We specialize in hard-to-place risks, including:
- Vacant dwellings
- Seasonal or secondary residences
- Dwellings under renovation
- Unprotected properties (e.g., lacking nearby fire protection)
- Homes with prior cancellations or non-renewals
- Low or high-value homes
- Builders risk properties
You might have a client with a vacant property awaiting sale or recently inherited—this program can provide essential liability protection when other carriers decline coverage.
Coverage Highlights and Advantages
Our dwelling program offers customizable coverage options to meet a wide range of residential exposures. Available coverages include:
- Personal & Premises Liability
- Mono-line Liability or Mono-line Property
- Medical Payments
- Fire and Extended Coverage
- DP-3 Special Form
- Additional Living Expense
- Fair Rental Value
- Burglary, Vandalism & Malicious Mischief
- Unit Owner’s Coverage for Condominiums
- Optional Day Care Liability (up to 5 children)
- Residential Vacant Land Liability
This flexibility allows you to tailor a policy specifically to your client’s exposures—whether they need protection for a rental property, temporary vacancy, or a primary residence undergoing renovations.
Underwriting Notes and Minimum Premiums
Colonial General underwrites through a variety of carriers and markets, with both admitted and non-admitted options available depending on the risk and the state. Our underwriters are experienced in non-standard residential exposures and work with you to find the best fit for your client’s needs.
Minimum premiums vary by coverage selection and risk profile. Please contact us for details specific to your account.
Territories and Availability
This program is available to licensed agents and brokers in the following states:
- Arizona (AZ)
- California (CA)
- Colorado (CO)
- Idaho (ID)
- Nevada (NV)
- New Mexico (NM)
- Utah (UT)
- Wyoming (WY)
Why Work With Colonial General?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General specializes in niche residential markets that many standard carriers avoid. We offer a wide range of flexible coverage options, access to multiple carriers, and underwriting expertise that helps you successfully place hard-to-insure residential properties. From quick quotes to responsive service, we’re committed to making your job easier.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Occupied or vacant one- to four-family dwellings, seasonal homes, renovations, and risks that have been cancelled or non-renewed are ideal candidates.
Can I write only liability coverage without property coverage?
Yes, Mono-line Liability is available, allowing you to provide liability protection without including property coverage.
Is this program available in admitted markets?
Some admitted markets are available, depending on the risk type and state. We also offer non-admitted options for harder-to-place risks.
Can I write coverage for a vacant residential dwelling awaiting sale?
Yes, our program is well-suited for vacant dwellings, including those temporarily unoccupied or awaiting sale or renovation.
What states is this program available in?
The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Need help placing an account? Connect with a market specialist.