1-4 Family Dwelling Product

This product targets 1 to 4 family dwellings owned by individual or corporate investors for rental purposes. We can consider accounts with single or multiple locations.

4Product Features:

• Coverage available as: Monoline Liability, Monoline Property, Package
• Low Minimum Premiums

4Liability Features:

• Credit provided for owner-occupied 2-4 family locations
• Ability to consider locations rented on a seasonal or timeshare basis
• Ability to consider mobile homes as dwellings
• Hired and Non-Owned Auto Liability coverage available
• No Liability Deductible
• Limits Available (up to):

- $1,000,000 Per Occurrence
- Commercial Umbrella available up to $5,000,000
- Personal Umbrella Available up to $10,000,000

4Property Features:

• Commercial and Personal Lines forms available
• Both special and basic form available
• Replacement Cost Coverage
• Business Income/Rental Value
• Owner’s Contents Coverage
• Equipment Breakdown Coverage
• Risks with difficult to place liability exposure (pools, dogs, etc.) are entertained
• Available in Protection Class 1-8
• Ability to consider locations in hail and tornado prone areas (special deductible
   will apply)
• Coverage can be provided for a property that is under renovation
• Property coverage not available in AL, AK, HI, KY, LA, MS, TN, and WV

4Additional Advantages:

• A.M. Best Rated A++ Carrier
• Quick quote turnaround
• Quick binder confirmation
• Exceptional service