[vc_row][vc_column][vc_column_text]Vacation homes come in all sorts, from luxury properties on a lake or golf course, to more humble cabins with that beloved squeaky screen door. Whether it’s just been purchased, or has been in the family for generations, just by being a part-time home it may not be eligible for the robust protection of the HO-3 you typically quote from your lead carrier. Or, there could be a liability concern such as a pool or an older out-building on the property that makes it hard to place.
What are your coverage choices?
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Dwelling Basic (DP-1)
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Essential and flexible coverage for rental and seasonal homes.
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.[/vc_column_text][vc_btn title=”More Details” style=”flat” shape=”square” color=”sky” align=”center” button_block=”true” link=”url:https%3A%2F%2Fwww.amig.com%2Fallstateagents%2Fproducts%2Fdwelling-basic-dp-1%2F|title:More%20Details||”][/vc_column][/vc_row][vc_row css=”.vc_custom_1513717030043{margin-bottom: 1.5rem !important;padding-top: 2rem !important;padding-right: 3rem !important;padding-bottom: 3rem !important;padding-left: 3rem !important;background-color: #f3f3f4 !important;}” el_class=”grey-box” el_id=”DwellingSpecial”][vc_column][vc_column_text]
Dwelling Special DP-3
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Comprehensive protection for short-term and occasional rentals, as well as temporary vacancies.
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.[/vc_column_text][vc_btn title=”More Details” style=”flat” shape=”square” color=”sky” align=”center” button_block=”true” link=”url:https%3A%2F%2Fwww.amig.com%2Fallstateagents%2Fproducts%2Fdp-3-dwelling-special-insurance%2F|title:More%20Details||”][/vc_column][/vc_row][vc_row css=”.vc_custom_1513717045880{margin-bottom: 1.5rem !important;padding-top: 2rem !important;padding-right: 3rem !important;padding-bottom: 3rem !important;padding-left: 3rem !important;background-color: #f3f3f4 !important;}” el_class=”grey-box” el_id=”SpecialtyHomeowners”][vc_column][vc_column_text]
Specialty Homeowners (HO-10)
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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.[/vc_column_text][vc_btn title=”More Details” style=”flat” shape=”square” color=”sky” align=”center” button_block=”true” link=”url:https%3A%2F%2Fwww.amig.com%2Fallstateagents%2Fproducts%2Fspecialty-homeowner-ho-10%2F|title:More%20Details||”][/vc_column][/vc_row][/vc_section]
