Owner-Occupied Homes

Even if the owner is living in the property, there can be special risks that may prevent traditional insurance coverage. That’s why we are here to support you and your customer with a variety of coverage options for older homes, homes that are too far from a fire station or valued differently from neighborhood averages.

Dwelling Basic (DP-1)

Essential coverage for homes of any occupancy needing the most flexible underwriting.

 

Eligibility:

  • All occupancy types – rental, seasonal, vacant, owner-occupied
  • No restriction on the home’s age
  • Fair or better condition
  • Standalone, non-residential structures
  • Up to four-family construction

Popular Features:

  • Named peril protection
  • Actual cash value settlement
  • Coverage of standalone structures
  • Liability coverage

Program details vary by state. Please consult the program manual for specifics.

Dwelling Special (DP-3)

Comprehensive protection for homes in above average condition with short-term, occasional rental or seasonal occupancy.

 

Eligibility:

  • Rental or seasonal occupancy (owner occupancy available in some states, vacant occupancy available in AMsuite states)
  • Home up to 80 years of age (60 years in some states)
  • Roof up to 20 years of age
  • Above average condition or better
  • Single family structure up to a four-family
  • AMsuite only: Schedule up to 10 homes on one policy

Popular Features:

  • Covers short-term and occasional rentals
  • Covers temporary vacancies
  • Full replacement cost settlement
  • Personal property coverage
  • Loss of rent coverage
  • Prior claims acceptable

 Program details vary by state. Please consult the program manual for specifics.

Specialty Homeowner (HO-10)

The middle ground between basic and comprehensive coverage.

 

Eligibility:

  • Single- or two-family construction
  • Average or better condition, showing proper maintenance
  • Full-time, owner-occupied residence or a seasonally used home
  • No age restriction

Popular Features:

  • Personal property coverage
  • Named peril protection
  • Actual cash value settlement
  • Liability coverage

Program details vary by state. Please consult the program manual for specifics.