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Insurance for 1-4 Family Dwelling

1 to 4 family dwellings owned by individual or corporate investors for rental purposes and leased on an annual or seasonal basis can get a quick quote. Our broad eligibility includes new purchases, risks with no prior insurance, as well as investors with larger schedules of properties.

Target Risks: (Not limited to those below)

  • Dwellings owned by individuals or entities for rental investment purposes
  • Locations that are leased on an annual or seasonal basis (general liability only for seasonal risks)
  • Owner-occupied buildings as long as one or more units are tenant occupied
  • Available for new purchases with no prior insurance
  • Schedules of up to 50 locations including general liability and property coverage (100 location limitation for general liability coverage only)
  • And more!

Ineligible for Online Quoting:

  • Risks located in AK, LA or WV
  • Property coverage for risks located in AK, AL, HI, KY, LA, MS, TN and WV
  • Student housing
  • Rooming or boarding houses
  • Locations with wood stoves (fireplaces are acceptable)
  • Property coverage for mobile homes
  • Property coverage for units rented out for a term less than six months
    • Unfenced swimming pools
  • Property coverage in FL (Unavailable with this product)

Coverage Available for 1-4 Family Dwelling

  • General liability coverage is available up to $1,000,000/$2,000,000
  • Property values up to:
    • $3,000,000 in non-coastal zones
    • $1,000,000 (in coastal zones excluding wind and hail coverage)

Optional Coverage for 1-4 Family Dwelling

  • Hired and non-owned auto liability up to $1,000,000
    • Limit must be equal to the general liability occurrence limit
  • Equipment breakdown coverage is available
  • Loss of income including loss of rent coverage is available
complete an applicationquote instantly onlinecall 888-845-6105 to phone quote


Claim Example for 1-4 Family Dwelling

1-4 Family Dwelling House on Fire

Property: A fire began at the insured’s premises, due to one of the tenants falling asleep with a lit cigarette. The fire resulted in $44,800 in building damage. In order to repair the damage, the apartment had to be evacuated for 2 months, which resulted in $2,000 in the loss of rental income for the insured.

General Liability: A Tenant tripped and fell while walking down the hallway stairs. The tenant sustained a broken wrist and $2,500 in medical expenses. A fire at the insured’s building spread to other row homes on the same street, destroying one home and causing smoke damage to another. The fire resulted in 3rd party property damage loss of $90,000.

Equipment Breakdown: The hot water heater ruptured from over usage, causing the apartment to be evacuated for 2 days until repairs could be made. An equipment breakdown claim was made.

You must be an appointed Hull & Company retailer to use these programs. Quotes obtained via these programs will only be bound IF you are a previously appointed retailer with Hull. PRIOR TO BINDING, check with your branch to determine any and all applicable taxes and fees. If you need additional pricing considerations on any web quote received via these programs or if your submission is declined, please call your Hull & Company representative.