To make you feel right at home with us, Cochrane & Company offers a flexible and comprehensive Homeowners Insurance program designed specifically for independent agents and brokers looking to place residential property risks. Utilizing ISO forms, we provide access to HO-3, HO-4, HO-6, and HO-8 policies—ideal for a wide variety of property ownership types and occupancy situations.
Ideal Accounts and Appetite
Our program is well-suited for a range of residential property types, including:
- One- to two-family owner-occupied homes
- Secondary or seasonal residences
- Tenant-occupied dwellings (renters insurance)
- Condominium unit owners
We also specialize in helping you place business that may be harder to fit elsewhere. You can come to us with accounts that involve:
- Prior losses or claims history
- Previous declinations or non-renewals
- No prior insurance
- New home purchases or flips
- Homes in distressed markets
- Lower or higher value dwellings in good condition
Coverage Highlights and Advantages
Our policies provide automatic protection for key exposures, including:
- Personal Property
- Comprehensive Personal Liability
- Medical Payments
- Other Structures
- Loss of Use
We also offer a variety of optional coverages to tailor the policy to your client’s unique needs:
- Extended Replacement Cost
- Identity Fraud Expense
- Water Back-Up and Sump Discharge or Overflow
- Extended Liability Coverage for rental or secondary residences
- Builder's Risk/Course of Construction
- In-Home Business coverage (available in select states)
- Personal Injury
- Loss Assessment
Underwriting Notes and Minimum Premiums
We understand that not all risks are perfect, and that’s where we excel. Our underwriting is flexible, and we welcome submissions that may have been turned down elsewhere. Minimum premiums vary depending on the risk, location, and selected coverages. We work with a variety of carriers to find the best fit for each account.
Territories and Availability
This Homeowners Insurance program is available to agents and brokers in the following states:
- Alaska (AK)
- California (CA)
- Idaho (ID)
- Montana (MT)
- Nevada (NV)
- New Mexico (NM)
- North Dakota (ND)
- Oregon (OR)
- Washington (WA)
- Wyoming (WY)
Please note that all policies are written on a non-admitted basis.
Why Work With Cochrane & Company?
As a Managing General Agency with decades of experience, Cochrane & Company understands the needs of independent agents. We pride ourselves on our ability to handle difficult-to-place risks and offer fast, responsive service. Our access to multiple carriers gives you flexibility and options for your clients. Whether you're placing a clean, straightforward home or a challenging risk, our team is here to help you succeed.
Frequently Asked Questions
What types of accounts are a good fit for this program?
We’re a great market for owner-occupied, secondary, rental, and condo units—especially those with prior losses, no prior coverage, or homes in distressed areas.
Are these policies written on an admitted basis?
No, all policies in this program are written on a non-admitted basis using ISO forms.
Can I place homes with prior claims or no prior insurance?
Yes, we specialize in placing risks that have been declined elsewhere, including homes with prior losses or no previous insurance history.
What additional coverages can I offer my clients?
Optional coverages include Extended Replacement Cost, Identity Fraud Expense, Builder’s Risk, and more, depending on the state and risk profile.
What states is this program available in?
This program is available in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY.
Need help placing an account? Connect with a market specialist.