Homeowners & Dwelling Insurance

Excellent Lloyd's and GLISE markets for homeowners and dwelling risks across all 50 US states. Primary, owner-occupied, seasonal, tenanted, vacant, and properties in course of construction or renovation.

We have excellent markets in Lloyd's and GLISE for homeowners (usually HO 3 Form) and dwellings (DP 3), particularly for higher-valued homes. Most types of construction, including unusual ones, are considered.

Geographic Coverage

All 50 US states

Property Types

Owner-occupied, seasonal, tenanted, vacant, under construction

What We Write

We are pleased to offer terms for primary owner-occupied dwellings, seasonal or secondary homes, tenanted dwellings, properties under renovation or in course of construction, and vacant properties, located anywhere across all 50 US states.

Rating Factors

Rating centres on a number of factors, including:

  • Minimum Coverage A limit: USD500,000
  • Type of construction
  • When built and updated
  • Public Protection Classification (for risks in PC 9 or 10, a supplementary questionnaire is required)
  • Private protections such as fire and burglar alarms
  • Location of the property
  • Loss record of the applicant and property
  • Natural perils such as wind, brush, earthquake, flood and similar exposures will be significant in rating

Coverage

Our markets are not tied to specific limits for Other Structures, Personal Property, Loss of Use/Additional Living Expense, or Fair Rental Value. There may be good reasons for having either higher or lower values than the traditional 10%/50%/20% offered by most standard companies.

Scheduled personal property of most kinds may be added. Most forms contain a replacement cost basis of loss settlement with 80% coinsurance. Our terms will expect the sum insured to be based on the full replacement cost value of the home, usually verified by a valuation performed after inception.

In order to offer terms, we can work with information provided by most domestic applications. An ACORD application is most commonly used. Please check our application list to ensure you supply the information underwriters require.