Overview of the Program From Demetriou General Agency
As a managing general agency, Demetriou Group brings broad market access and underwriting experience to independent agents and brokers. The Dwellings Insurance program is designed to help you place one- to four-family residential properties that do not fit standard homeowners markets or that need a dedicated dwelling fire/property solution.
Ideal Accounts and Appetite
Submit risks that match the program’s core appetite:
- One- to four-family tenant-occupied dwellings
- Two- to four-family owner-occupied dwellings
This program fits landlords and homeowners who need coverage for rental units, tenants in place, or partially owner-occupied buildings. It’s best suited for standard to moderately complex risks that require admitted dwelling fire or property coverage rather than a homeowners form.
Coverage Highlights and Advantages
Coverage varies by carrier but typically includes broad dwelling fire and related property protections based on the risk profile. Key advantages for agents:
- Access to multiple admitted markets to improve placement options
- Underwriting flexibility for both tenant-occupied and owner-occupied structures
- Options to address varied occupancies, building conditions, and exposure levels
ACORD applications are preferred and help accelerate the quote and placement process.
Underwriting Notes and Minimum Premiums
Underwriting decisions and premium levels depend on the carrier chosen, property condition, occupancy, and state. Demetriou works with several markets to find the best fit; minimum premiums are not fixed and will be set per-carrier and per-state.
Territories and Availability
The Dwellings Insurance program is available on an admitted basis in the following states:
- Connecticut (CT)
- Maine (ME)
- Massachusetts (MA)
- New Hampshire (NH)
- New Jersey (NJ)
- New York (NY)
- Pennsylvania (PA)
- Rhode Island (RI)
- Vermont (VT)
Coverage is issued admitted in these states, supporting agents who prefer admitted paper for regulatory consistency.
Why Work With Demetriou Group on Dwellings Insurance?
Demetriou Group offers responsive service, experienced underwriting guidance, and multi-carrier placement capabilities tailored to small residential risks. That combination helps you close accounts that might otherwise be difficult to place in the standard homeowners market.
You might have a client who owns a three-family rental with tenants in place and older building systems — this program can provide admitted dwelling coverage options across multiple carriers to help secure placement. Or a homeowner converting a two-family to partial rental occupancy can often be submitted here when a homeowners policy is not available.
Frequently Asked Questions
What types of accounts are a good fit for this dwelling insurance program?
The program is geared to one- to four-family residential properties, including tenant-occupied and owner-occupied dwellings that need dwelling fire or property coverage rather than a standard homeowners policy.
Is an ACORD application required to submit a risk?
ACORD applications are preferred because they streamline underwriting and speed quoting; include photos and recent inspections when available to help placement.
What states is this program available in?
Coverage is available on an admitted basis in CT, ME, MA, NH, NJ, NY, PA, RI, and VT.
Are the policies admitted or non-admitted?
Policies under this program are offered on an admitted basis in all listed states.
Who can I contact for more information or to submit a risk?
Visit the Demetriou Group’s CompleteMarkets profile to review program details and start the submission process.
Need help placing an account? Connect with a market specialist.