Overview — Allstar Financial Group Dwelling Insurance Program
Allstar Underwriters (Allstar Financial Group) offers a flexible Dwelling Insurance program for property owners and contractors through its small business solutions division. The program supports property, casualty and umbrella placements — available monoline or as package business — and is designed to simplify quoting and binding for independent agents and brokers. Allstar underwriters provide hands-on underwriting for mid-sized dwellings and commercial-occupancy risks, with optional enhancements and project-specific casualty solutions.
Ideal accounts and appetite
This program fits a range of owner-occupied and commercial-style dwelling risks. Typical target classes include:
- Contractors and construction-related operations (including project-specific policies)
- Habitational properties and small multi-family buildings
- Office and small retail occupancies
- Wholesale operations and light industrial/ institutional occupancies
- Vacant or transitional properties (risk-by-risk underwriting)
Accounts with Total Insurable Value (TIV) up to $5 million per location are considered. Risks with complex professional exposures, heavy pollution, or unusual habitational liabilities may require referral — ask an underwriter when in doubt.
Coverage highlights and advantages
- Property: TIV up to $5M per location; monoline or packaged solutions; no-coinsurance options where available; optional endorsements and equipment breakdown coverage.
- Casualty: Monoline or package; primary limits up to $5M/5M; available project-specific wording; coverage for uninsured subcontractors and a range of endorsements (blanket additional insured, waiver of subrogation, primary/non-contributory wording, per-project/per-location aggregate, hired & non-owned auto in qualifying classes, miscellaneous professional liability endorsements where appropriate).
- Umbrella: Limits up to $5M; supported or unsupported umbrella structures.
Underwriting notes and minimums
- Minimum premium expectations vary by line: casualty minimums start around $500; umbrella minimums start around $750. Final minimums depend on class, limits and territory.
- Underlying insurer requirements include AM Best ratings (A-VI or better for auto/GL; B++ or better for Employers Liability). Typical minimum GL structure is $1M/$2M/$2M unless otherwise required.
- No coinsurance options may be available depending on risk type; equipment breakdown and other enhancements are offered on a case-by-case basis.
Territories and admitted status
Program availability: Most Available States. This storefront highlights availability in AL, GA, LA, MS, NC, SC, TN and VA. Allstar operates as a Managing General Underwriter and an Excess & Surplus lines broker, so placement options include admitted or non-admitted markets depending on state rules and risk characteristics.
Why place this business with Allstar Financial Group
- Specialized underwriting for small business and dwelling risks — quicker turnaround for quotes and binds compared with broader-market submissions.
- Flexibility to write monoline or packaged coverages and to add project-specific casualty terms when needed.
- Access to multiple carrier relationships and the ability to place umbrella limits up to $5M supported or unsupported.
- Underwriter-access model: you can call to discuss unique risks, endorsements, or unusual exposures to find tailored coverage solutions.
Example scenarios
- An independent agent has a contractor client building a small multi-unit dwelling who needs a project-specific general liability policy with per-project aggregate and blanket additional insured — Allstar can quote project wording and higher primary limits.
- A broker needs coverage for a small habitational building with a TIV under $5M and wants equipment breakdown included — the property package with optional equipment breakdown makes the account marketable without coinsurance in eligible cases.
How to submit
Provide completed ACORDs, current loss runs, construction details, occupancy/use information, and estimated TIV per location. For casualty or project business include contracts or certificate wording requirements so underwriters can evaluate additional insured, waiver, and primary/non-contributory needs.
Frequently Asked Questions
What types of accounts are the best fit for this Dwelling Insurance program?
The program is best for contractors, habitational owners, small offices, retail/wholesale occupancies, and certain vacant/transitional properties with TIV up to $5M per location. Project-specific construction accounts and clients needing specialty casualty endorsements are also a good fit.
Can I place both property and liability with Allstar on the same account?
Yes. Allstar can write monoline property or casualty, or package accounts combining both. Umbrella limits up to $5M are also available to supplement primary limits when needed.
What underwriting information speeds placement?
Provide ACORD applications, detailed TIV and construction information, current loss runs, and copies of contracts or certificate requirements for additional insured/waiver language. For project accounts, attach the scope of work and schedule of locations.
Are there minimum premiums or limit requirements I should expect?
Minimum premiums vary by line and state; casualty minimums commonly start near $500 and umbrella near $750, but actual minimums depend on class, limits and territory. Discuss specifics with an underwriter on submission.
Need help placing an account? Connect with a market specialist.