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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 Special

Dwelling Special protects rental property, vacation homes, and vacant property with replacement cost coverage. It is well suited for a home that may need less extensive coverage than a full-time residence.

What’s eligible	Occupancy type
Above average condition or better No age restrictions in most states Up to four-family home Up to three stories Up to 30 homes on one policy Row houses or townhomes	Rental Seasonal Vacant

What’s eligible	Occupancy type
Above average condition or better No age restrictions in most states Up to four-family home Up to three stories Up to 30 homes on one policy Row houses or townhomes	Rental Seasonal Vacant

What’s eligible
Above average condition or better No age restrictions in most states Up to four-family home Up to three stories Up to 30 homes on one policy Row houses or townhomes
Occupancy type
Rental Seasonal Vacant

Included coverage
Other structures - 10% Coverage A (does not reduce Coverage A) Reasonable repairs Debris removal Additional living expenses / Fair rental value - 10% Coverage A Fire department surcharge - $500 Water damage - 10% Coverage A with a $5,000 sublimit for mold and remediation

Included coverage
Other structures - 10% Coverage A (does not reduce Coverage A) Reasonable repairs Debris removal Additional living expenses / Fair rental value - 10% Coverage A Fire department surcharge - $500 Water damage - 10% Coverage A with a $5,000 sublimit for mold and remediation

Included coverage
Other structures - 10% Coverage A (does not reduce Coverage A) Reasonable repairs Debris removal Additional living expenses / Fair rental value - 10% Coverage A Fire department surcharge - $500 Water damage - 10% Coverage A with a $5,000 sublimit for mold and remediation

Important options
Water backup from drain or sump pump overflow Premises liability from $25,000 to $500,000 Personal property Burglary - up to 100% of Coverage C Water damage - increase from 10% to up to 100% Coverage A

Important options
Water backup from drain or sump pump overflow Premises liability from $25,000 to $500,000 Personal property Burglary - up to 100% of Coverage C Water damage - increase from 10% to up to 100% Coverage A

Important options
Water backup from drain or sump pump overflow Premises liability from $25,000 to $500,000 Personal property Burglary - up to 100% of Coverage C Water damage - increase from 10% to up to 100% Coverage A

Frequently Asked Questions

Other solutions to consider

For a one- or two-family seasonal home, look at the Homeowners FLEX^® program. It offers open peril coverage and replacement cost protection configured as a package similar to HO-3. In some states, our Homeowners program accepts seasonal homes that do not need open peril or replacement coverage.

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 one- or two-family seasonal home, look at the Homeowners FLEX^® program. It offers open peril coverage and replacement cost protection configured as a package similar to HO-3. In some states, our Homeowners program accepts seasonal homes that do not need open peril or replacement coverage.

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 one- or two-family seasonal home, look at the Homeowners FLEX^® program. It offers open peril coverage and replacement cost protection configured as a package similar to HO-3. In some states, our Homeowners program accepts seasonal homes that do not need open peril or replacement coverage.

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