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 only 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
• Liability coverage
• 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.