Personal Lines - 1-4 Family Dwelling

Expertise. Solution. Service.

Available Limits:
• DP-1 Basic Form Coverage A minimum of $75,000 (varies by state)
• DP-3 Special Form Coverage A minimum of $100,000*
• DP-1 and DP-3 Form total insured value maximum of $1 million
• Medical payments of $5,000
• Up to:

• 40% of Coverage A for Personal Property Coverage C
• 20% of Coverage A for Fair Rental Value Coverage D
• $1 million personal liability coverage optional

* $150,000 in MO

Preferred Business:
• Package policies available on Basic Form DP-1 or Special Form DP-3
• Available for 1-4 family tenant-occupied locations
• Available for 2-4 family owner-occupied locations †
• Eligible insureds include individual, trust, estate, family, limited partnership, and LLC
• Dwellings under renovation are eligible on Basic Form DP-1
• Special Form DP-3 available for properties up to 90 years old
• Up to 10 locations per policy (varies by state)
• Protection class 1-8
• Electrical systems are on circuit breakers with 100 amp service
• Plumbing systems comprised of copper, PVC, or cast iron
• Asphalt shingle roof up to 25 years old
• Up to 1 prior loss in the last 3 years
• Multiple locations: 1 loss per 2 locations in the last 3 years
• Dwellings located in coastal areas are eligible (wind and hail exclusion applies)

† Only available on tenant-occupied locations in NJ and NH

Deductibles:
• Deductibles available range from $1,000 to $5,000
• Special deductibles available for wind and hail coverage
Ineligible Risk Characteristics:
• DP-1 risks with Coverage A less than $75,000*
• Vacant dwellings not currently being renovated*
• Business, farming, or day care exposures on the premises
• Owned by corporations*
• Risks used as rooming or boarding houses or as student housing
• Use of wood stoves
• Rented with shorter than 6 month lease terms
• Not available in AK, AL, CA, HI, FL, KY, LA, MS, TN, WV, and city of Detroit

* Quotes may be available for our Commercial product if ineligible for Personal Lines

Product Advantages:
• Comprehensive personal liability coverage is available up to $1 million including personal injury coverage
• Additional insureds can be added free of charge
• No mandatory roof exclusion
• Actual cash value roof endorsement available on Special Form DP-3
• Discount available for sprinkler fire protection systems
• AM Best rated A++ carrier
• Access to Business Solution Vendors, including:

• Human Resources services
• Pre-employment and tenant screenings
• Identity Theft protection
• Marketing resources

We settle for nothing less than the best choices for our clients, and we put no limit on what we can do for your client's 1-4 Family Dwellings Insurance needs.

Please reach out to us today by phone or email with any questions and to discuss how we can assist in this process.

U.S. States Available

U.S. States Available:

Provider Type:

Wholesale Broker

Admitted:

Most Available States

Carriers:

Carrier Ratings:

AM Best Rated A++

Commission:

-

Min Premium:

-

Coverages:

1-4 Family Tenant-occupied Insurance 2-4 Family Owner-occupied Insurance Personal Lines- 1-4 Family Dwellings Insurance

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