HomeMulti-Family Dwelling 1-4 Family Dwelling- Personal Lines

1-4 Family Dwelling- Personal Lines

Overview of 1-4 Family Dwelling Products- Personal Lines

  • Package policies available on Basic Form DP-1 or Special Form DP-3
  • Available for 1-4 family tenant-occupied locations
  • Available for 2-4 family owner-occupied locations
  • Dwellings under renovation are eligible on Basic Form DP-1
  • Special Form DP-3 available for properties up to 90 years old
  • HVAC systems not older than 50 years for DP-1 Basic Form eligibility
  • HVAC systems not older than 20 years for DP-3 Special Form eligibility
  • Protection class 1-8
  • Electrical systems are on circuit breakers with 100 amp service Plumbing systems comprised of copper, PVC or cast iron
  • Asphalt shingle roof up to 25 years old is eligible

What are the Advantages and Limits We Offer?

  • Comprehensive personal liability coverage is available up to $1,000,000 including personal injury coverage
  • Additional insureds can be added free of charge
  • Actual cash value roof endorsement available on Special Form DP-3
  • Efficient online capabilities and phone quoting
  • No mandatory roof exclusion
  • Discount available for sprinkler fire protection systems
  • Available Limits for 1-4 family Dwelling Products:
  • DP-1 Basic form minimum Coverage “A” of $75,00
  • DP-3 Special form minimum Coverage “A” of $100,000
  • DP-1 and DP-3 Form total insured value maximum of $1,000,000
  • Medical payments of $5,000
  • Forty percent of Coverage A for Personal Property Coverage C
  • Twenty percent of Coverage A for Fair Rental Value Coverage D
  • $1,000,000 personal liability coverage optional

Common Ineligible Risk Characteristics:

  • DP-1 risks with Coverage A less than $75,000*
  • Vacant dwellings not currently being renovated*
  • Business, farming or day care exposures on the premises
  • Rented with shorter than six-month lease terms

*Quotes may be available for our Commercial product if ineligible for Personal Lines

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