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Buildings with Renovations Insurance Allstar Financial Group...ilability Allstar’s Buildings with Renovations Insurance program is available ...

...s limited on-site work or minor renovations underway. Ideal Accounts and Appe...sider risks with minor or cosmetic renovations. Major structural work, extensi...

...ground-up builds, remodels, and renovations. Comprehensive Builders Risk Cove...include existing structures during renovations?Yes. Policies can be written to...

...ant improvements, or structural renovations. Ideal Accounts and Appetite This... for new construction and $500 for renovations Named Insured can be either t...

...ew construction and remodels or renovations. Typical accounts include: Cust...owner-managed builds, and investor renovations. Can both builders and homeowne...

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: • Tenant-occupied 1–4 family dwellings (nationwide, where eligible) • Owner-occupied 2–4 family homes (except NJ and NH, where only tenant-occupied is allowed) • Dwellings under renovation (eligible under DP-1) • Properties up to 90 years old under DP-3 Form • Multiple locations—up to 10 per policy (state restrictions may apply) • Properties held by individuals, trusts, estates, families, limited partnerships, or LLCs 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: • Coverage A limits starting at $75,000 for DP-1 and $100,000 for DP-3 ($150,000 in MO) • Maximum total insured value of $1 million • Medical payments up to $5,000 • Optional personal liability coverage up to $1 million, including personal injury • Personal Property (Coverage C): up to 40% of Coverage A • Fair Rental Value (Coverage D): up to 20% of Coverage A • Deductibles from $1,000 to $5,000, with special wind and hail options where applicable 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: • Electrical systems on circuit breakers with at least 100 amp service • Plumbing of copper, PVC, or cast iron • Asphalt shingle roofs up to 25 years old for DP-3 eligibility • Up to one prior loss in the last three years, or one loss per two locations for multi-location risks • Fire protection classes 1–8 Risks outside these guidelines may be considered through MAXIMUM's Commercial Lines options. Ineligible Risk Characteristics • Coverage A below $75,000 for DP-1 • Vacant dwellings not under renovation • Business, farming, or daycare operations on premises • Properties owned by corporations • Rooming houses, boarding houses, or student housing • Use of wood stoves • Lease terms shorter than 6 months • Locations in AK, AL, CA, HI, FL, KY, LA, MS, TN, WV, and the city of Detroit 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.

Atlantic Risk Specialists, Inc./ARS-Latiff, LLC offers the Owner's Interest Insurance Package — a targeted program for owners of buildings that are vacant, under renovation or rehabilitation, or newly constructed. Tenants completing a tenant build-out in premises they do not own are also eligible. The program combines property and liability coverage tailored to construction, renovation and vacancy exposures faced by owners and developers. Overview of the Program From Atlantic Risk Specialists This package is designed for property owners who need short- to mid-term protection while buildings are vacant, being renovated, rehabilitated, or newly built. Coverage can include both property and commercial general liability (CGL) components with flexible policy terms. Atlantic Risk Specialists places this program through multiple markets and provides admitted placement where available plus excess & surplus lines access through ARS-Latiff when needed. Ideal Accounts and Appetite This program generally fits: - Owners of vacant commercial or mixed-use buildings - Owners managing renovation or rehabilitation projects - Developers and owners of new construction during the build phase - Tenants performing build-outs in non-owned premises who need project-specific protection Coverage Highlights and Advantages - Property and liability coverage available in a single package - Property limits up to $8,000,000 - General liability limits up to $1,000,000/$2,000,000 with excess limits available - First-dollar CGL available for qualifying accounts - Policy terms flexible from 3 months up to 18 months to match construction or renovation schedules - Tenant build-outs can be written to include the owner of the premises as an additional insured Underwriting Notes and Minimum Premiums Underwriting requires that the owner engage a professional general contractor who carries commercial general liability through an acceptable carrier, with limits at least equal to those provided by this package. The general contractor must name the owner as an additional insured and agree to hold the owner harmless. Minimum premium and final terms vary by state, project scope, and carrier appetite. Territories and Availability Available in CT, NJ, NY and PA. Atlantic Risk Specialists places admitted coverage where admitted markets are available; ARS-Latiff provides excess & surplus placement when required. Carriers vary by submission and state. Why Work With Atlantic Risk Specialists on Owner's Interest Business As a general agency and E&S broker, Atlantic Risk Specialists/ARS-Latiff blends admitted market access with surplus lines flexibility. Their Owner's Interest package is underwritten for construction and renovation exposures and supports short-term policy periods common to project schedules. You’ll get streamlined placement options for mixed property/liability needs and the ability to pursue higher property limits and excess liability when required. Example Accounts - A landlord renovating a two-story mixed-use building who needs property and CGL coverage for a 12-month rehab project and wants the contractor named as required by lease agreements. - A tenant completing a tenant build-out in a downtown storefront who requires project-specific liability and needs the building owner added as an additional insured. Frequently Asked Questions What types of accounts are a good fit for the Owner's Interest Insurance Package?Owners of vacant properties, buildings under renovation or rehabilitation, new construction projects, and tenants performing build-outs are primary fits. The program is intended for short- to mid-term project exposures where combined property and liability protection is needed. Is a general contractor required?Yes. The owner must engage a professional general contractor who carries acceptable commercial general liability insurance. The contractor must name the owner as an additional insured and agree to hold the owner harmless. What limits and policy terms are available?Property limits are available up to $8,000,000. CGL limits are available up to $1,000,000/$2,000,000 with excess capacity available. Policy terms range from 3 to 18 months to match project timelines. Which states are eligible and how is coverage placed?The program is available in CT, NJ, NY and PA. Atlantic Risk Specialists places admitted coverage where markets allow and uses ARS-Latiff's excess & surplus capabilities when needed. Final placement depends on state rules and carrier appetite. Need help placing an account? Connect with a market specialist.

...dergoing interior or structural renovations Ground-up construction projects ...es. Properties undergoing interior renovations or ground-up construction can b...

... to light commercial builds and renovations. Ideal Accounts and Appetite This...able for both new construction and renovations?Yes. Colonial General offers Bu...

...ll details on recent occupancy, renovations, risk controls, and any prior loss...