1-4 Family Dwelling Insurance

• 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  

• 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

• Monoline Liability
• Monoline Property
• Package

• 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

• 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