Insurance for Dwelling Package
Designed for one to four family dwellings. Our "A++" rated carrier has coverage available on a dwelling package basic or dwelling package special form.
Target Risks: (Not limited to those below)
- 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-1Special Form DP-3 available for properties up to 90 years old
- Up to 10 locations per insured (varies by state)
- Protection class 1–8Electrical systems are on circuit breakers with 100-amp service
- Plumbing systems comprised of copper, cast iron, galvanized, PEX or PVC
- Asphalt shingle roof up to 25 years old is eligible
- Flat roofs up to 15 years available on both DP-1 and DP-3Dwellings located in coastal areas are eligible (wind and hail exclusion applies)
- And more!
Ineligible for Online Quoting:
Please note we cannot offer coverage to the following:
- Available in all states except AL, AK, CA, FL, HI, KY, TN, LA, MS and WV
Available Coverage for Dwelling Package
- One to four family tenant occupied dwellings and two to four family owner occupied dwellings are eligible
- Dwellings in coastal areas can be written excluding wind
- Applicants with one prior loss acceptable
- Dwelling package special form available for completely updated dwelling over 25 years old
- Trusts, estates, limited partnerships and family partnerships may be written as the named insured
Coverage Limits Available for Dwelling Package
- Up to $1,000,000 in total insured value
- Supplemental liability limits up to $1,000,000 and medical payments up to $5,000
Claim Example for Dwelling Package
Toasted Lamb Chop: The insured was cooking a lamb chop in a broiler when the stove caught fire, ignited a pan of oil on the stove top, and resulted in over $100,000 in fire, smoke, and water damage.
Faulty Furnace: The insured’s tenant claimed she became ill from carbon monoxide poisoning resulting from a faulty furnace. The tenant claimed permanent brain damage and demanded $750,000.
Falling Contractors: The insured hired a contractor to rebuild a deck. During construction, an employee of the contractor fell and fractured his leg. Unfortunately, the contractor allowed his workers’ compensation insurance to lapse. The claim for lost wages, pain and suffering, and medical rehabilitation resulted in a claim in excess of $300,000.
Creeping Tree Roots: Tree roots originating on the insured’s property damaged the neighbor’s retaining wall resulting in a claim in excess of $65,000.
Boys Will Be Boys: The insured’s 3 year-old tenant was jumping on his bed when he lost his balance and grabbed an exposed hot water heating pipe. The minor claimant suffered second-degree burns and recovered damages in excess of $27,000.
Unhappy Buyer: The insured was accused of misrepresenting material facts relative to his home to a prospective buyer. Although the claimant recovered no money, insured legal costs exceeded $5,000.