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Residential by occupancy

Recreational

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Training resources

Learn the ins and outs of selling specialty through live Q&A and interaction with our knowledgeable team.

Our solutions

Covering a wide variety of hard-to-place risks—that’s our specialty. Here’s a quick look at our full product menu.

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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.

Additional product resources

Write our residential products right

Write our residential products right

Residential products comparison guide

Residential products comparison guide

Training resources

Dwelling Basic vs. Dwelling Special

Dwelling Basic vs. Dwelling Special

Residential products overview

Residential products overview

View all training