Expertise. Solution. Service.
MAXIMUM offers a flexible, comprehensive Personal Lines program designed for 1–4 family dwellings. This program is built for agents who need placement options for residential property risks that don’t always fit standard markets—tenant-occupied, owner-occupied, or dwellings under renovation. Through experienced underwriting and high service standards, MAXIMUM provides tailored solutions backed by an A++ AM Best–rated carrier.
Ideal Accounts and Appetite
This program accommodates a broad range of residential property types, including:
Agents will find this program useful for small residential investment portfolios, renovated rental homes, and multi-location owner-investors who need flexible, admitted placement options.
Coverage Highlights and Advantages
MAXIMUM offers both Basic (DP-1) and Special (DP-3) forms for qualifying risks, with a variety of limits and optional endorsements to fit client needs:
Additional program benefits:
- No mandatory roof exclusion
- Actual cash value roof endorsement available on Special Form
- Free additional insureds
- Discounts for sprinkler fire protection systems
- Access to value-added vendor services, including HR tools, tenant screening, and identity-theft protection
Underwriting Notes and Risk Considerations
This program targets well-maintained, updated dwellings. Preferred characteristics include:
Risks outside these guidelines may be considered through MAXIMUM's Commercial Lines options.
Ineligible Risk Characteristics
Territories and Availability
This program is available in most states, including AZ, AR, CO, DE, ID, IA, KS, ME, MD, MA, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OK, OR, RI, SD, TX, UT, VT, WA, DC, WI, and WY. Availability and specific terms can vary by state—refer submissions to underwriting for state-specific rules.
Why Work With MAXIMUM?
As a wholesale broker, MAXIMUM combines market access, underwriting expertise, and responsive service to help you place non-standard residential risks. You’ll benefit from a streamlined submission process, flexible form options, and value-added vendor services that support property owners and landlords.
Example account scenarios that fit well:
- You have a client renovating a rental duplex — eligible for DP-1 during renovation with tailored coverage and vendor services available for tenant screening.
- An investor owns six tenant-occupied single-family rentals in acceptable protection classes — MAXIMUM can combine locations on a single policy (up to 10), subject to underwriting approval.
We focus on solutions that protect clients’ dwellings while making placement straightforward for agents. MAXIMUM is committed to finding the best available options for 1–4 family dwellings insurance.
Please reach out to us today by phone or email with any questions and to discuss how we can assist in this process.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for tenant-occupied 1–4 family dwellings, owner-occupied 2–4 family homes (except in NJ and NH), and properties under renovation. It's a great fit for clients with investment properties or multiple residential locations.
Can I place dwellings under renovation through this program?
Yes, dwellings currently being renovated are eligible under the DP-1 Basic Form, provided they meet other underwriting criteria.
Is this program available in coastal areas?
Yes, dwellings in coastal areas are eligible, although a wind and hail exclusion will apply in those zones.
What ownership types are eligible?
Eligible ownership types include individuals, trusts, estates, families, limited partnerships, and LLCs. Properties owned by corporations are not eligible under this Personal Lines program.
What is the maximum number of dwellings per policy?
Up to 10 locations can be covered under a single policy, depending on state regulations and underwriting approval.
Need help placing an account? Connect with a market specialist.