Cochrane & Company
Contact Us
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Cochrane & Company
Contact Us
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1-4 Family Dwelling Insurance
Why do you need to purchase a 1-4 Family Dwelling Insurance product?  
  • This product targets 1 to 4 family dwellings owned by individual or corporate investors for rental purposes.
  • One of your tenants falls on sidewalk of premises, claiming it was due to lack of proper maintenance
  • Tenant sustains bodily injury and property damage resulting from ceiling collapse
  • Contractor hired by you suffers bodily injury caused by poor maintenance of step handrails  
Why you should choose our 1-4 Family Dwelling Insurance product:
  • No Liability Deductible
  • Expanded definition of bodily injury to include sickness or disease caused by mental anguish or emotional distress
  • Hostile Fire Exception to Pollution Exclusion
  • Defense costs provided outside the limit of liability
  • Availability of Hired/Non-Owned Auto Liability Coverage
Product Features:
  • Monoline Liability
  • Monoline Property
  • Package
Liability Features: 
  • Credit provided for owner-occupied 2-4 family locations
  • Ability to consider locations rented on a seasonal or timeshare basis
  • Ability to consider mobile homes as dwellings
  • Up to $25,000 medical expense limit available
  • Risks with boat docks or slips can be considered
  • No General Liability Deductible
    • Limits Available up to:
      • $1,000,000 Per Occurrence/$2,000,000 aggregate
      • Commercial Umbrella available up to $5,000,000
      • Hired and non owned auto available in most states
Property Features:
  • Both Special and Basic Form available
  • Replacement Cost Coverage available
  • Business Income/Rental Value
  • Owner's Contents Coverage
  • Equipment Breakdown Coverage
  • Available in Protection Class 1-8
  • Ability to consider locations in hail and tornado prone areas (special deductible may apply)
  • Coverage can be provided for a property that is under renovation
    • Limits Available up to
      • $1,000,000 for Commercial Lines
      • Coastal Areas
        • Limits up to $500,000 per location
        • Wind and hail excluded

For more information or have questions about 1-4 Family Dwelling Insurance? Contact us now!

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency
  • Admitted:
    No States
  • Carriers:
  • Carrier Ratings:
  • Commission:
  • Min Premium:


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Cochrane & Company has other insurance programs like Adult Day Care Insurance.