Dwelling Basic
For customers looking for the basics or those not eligible for full coverage, we can cover most occupancies, from a fulltime or seasonal home to rental and vacant property--even non-residential structures.
What’s eligible Occupancy type
  • Fair condition or better
  • Up to four-family home
  • Up to three stories
  • No age restriction
  • Row houses or townhomes
  • Up to 30 homes on one policy
  • Owner
  • Seasonal
  • Standalone, non-residence structures
  • Rental 
  • Vacant
What’s eligible Occupancy type
  • Fair condition or better
  • Up to four-family home
  • Up to three stories
  • No age restriction
  • Row houses or townhomes
  • Up to 30 homes on one policy
  • Owner
  • Seasonal
  • Standalone, non-residence structures
  • Rental 
  • Vacant
What’s eligible
  • Fair condition or better
  • Up to four-family home
  • Up to three stories
  • No age restriction
  • Row houses or townhomes
  • Up to 30 homes on one policy
Occupancy type
  • Owner
  • Seasonal
  • Standalone, non-residence structures
  • Rental 
  • Vacant
Included coverage
  • Other structures - 10% Coverage A (does not reduce Coverage A)
  • Reasonable repairs 
  • Debris removal 
  • Fair rental value - 10% Coverage A (reduces Coverage A)
  • Fire department surcharge - $500
Included coverage
  • Other structures - 10% Coverage A (does not reduce Coverage A)
  • Reasonable repairs 
  • Debris removal 
  • Fair rental value - 10% Coverage A (reduces Coverage A)
  • Fire department surcharge - $500
Included coverage
  • Other structures - 10% Coverage A (does not reduce Coverage A)
  • Reasonable repairs 
  • Debris removal 
  • Fair rental value - 10% Coverage A (reduces Coverage A)
  • Fire department surcharge - $500
Important options
  • Water damage at $10,000 Coverage A with $5,000 mold remediation sublimit
  • Premises liability from $25,000 to $500,000
  • Personal property
  • Short-term and occasional rental
Important options
  • Water damage at $10,000 Coverage A with $5,000 mold remediation sublimit
  • Premises liability from $25,000 to $500,000
  • Personal property
  • Short-term and occasional rental
Important options
  • Water damage at $10,000 Coverage A with $5,000 mold remediation sublimit
  • Premises liability from $25,000 to $500,000
  • Personal property
  • Short-term and occasional rental
Frequently Asked Questions
Other solutions to consider

For a seasonal home or rental property in good to great condition (single to 4-family), the Dwelling Special program offers open peril coverage and replacement cost protection.

Our Motorsports program offers a Motorcycle policy for those people who are called to the open road.  

This product or individual options may not be available in your state. Check the program manual for coverage definitions, limits, conditions, limitations, and exclusions.

Other solutions to consider

For a seasonal home or rental property in good to great condition (single to 4-family), the Dwelling Special program offers open peril coverage and replacement cost protection.

Our Motorsports program offers a Motorcycle policy for those people who are called to the open road.  

This product or individual options may not be available in your state. Check the program manual for coverage definitions, limits, conditions, limitations, and exclusions.

Other solutions to consider

For a seasonal home or rental property in good to great condition (single to 4-family), the Dwelling Special program offers open peril coverage and replacement cost protection.

Our Motorsports program offers a Motorcycle policy for those people who are called to the open road.  

This product or individual options may not be available in your state. Check the program manual for coverage definitions, limits, conditions, limitations, and exclusions.