Protecting Your Assets

Many homes do not qualify for "standard" or "preferred" insurance for different reasons. We specialize in homes that may not qualify for insurance elsewhere, including VACANT properties. We cover vacant homes, including those that are for sale, in the name of an estate, or under renovations. The good news for owners of these properties is that a vacant home policy can easily be converted to an owner-occupied or tenant-occupied Dwelling Fire policy when circumstances change. In addition, we offer an insurance plan that meets the real-world needs of landlords and their rental properties.

Our VACANT program offers protection against many common perils like fire, explosion, lightning, windstorms, hail damage, and more. The program is specifically designed for the unique needs of vacant, landlord- and owner-occupied properties. The VACANT policy is a Named Peril policy.

Highlights include:

• Full 12-Month Policy with pro-rata cancellation offers the option to stay insured for up to 24 months

• Coverage Options including liability, personal property, vandalism, and malicious mischief

• High Deductible to help lower premium

• Agreed Loss Settlement in the case of a covered total loss to the home, the settlement will be the Amount of Insurance listed on the Declarations page, with no deductible on the coverage for the home, unless stated elsewhere in the policy.

Our Landlord and Rental Property program offers two Dwelling Fire options; here is a brief summary:

• Dwelling Fire One policies are similar to the DP-1 policy. The policies are specifically designed for the unique needs of the landlord, owner-occupied or vacant properties. These are Named Perils with an Agreed Loss Settlement in case of a covered total loss.

• Dwelling Fire Three policies are similar to the DP-3 policy for landlord or owner-occupied customers who want Comprehensive coverage on the dwelling. This policy also has an Agreed Loss Settlement. Replacement Cost (RC) coverage on the dwelling and property is optional