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    Dwelling Fire

    Not all business will qualify and may not be available in all states. The Underwriting and Coverage options below are a general summary. Coverage may vary depending on the state and risk. Please contact your Account Executive for details specific to your risk.

    Insurance for Farm and Ranch

    Product Advantages

    • HO3, HO5, and DP3 available nationwide
    • Wind coverage available (some restrictions may apply)
    • In house binding authority up to $10,000,000
    • Ability to package multiple products on single policy
    • 1-4 Family Dwellings acceptable
    • Duplex, triplex, and quadplex acceptable
    • Minimum coverage A – $100,000
    • Earthquake coverage available
    • Sinkhole coverage available in Florida (depending on risk location and carrier)

    Eligible Risks

    • Individuals, trusts, estates, LLC’s, limited partnerships, and corporations
    • Primary, Secondary/Seasonal, Tenant Occupied, Vacant, Renovation, and Builder’s Risk
    • PC 1-10
    • Builders Risk for new construction and/or renovations (converts to an HO3 or HO6 at completion of project)
    • Prior losses ok
    • Log homes acceptable (some restrictions apply)
    • Older homes acceptable with updates to all systems within the last 35 years

    Submission Requirements

    • Completed application

    Please contact your Account Executive for state specific guidelines and limits.

    1-2 Family Dwelling Product

    (All States Except AK, AL, CA, FL, HI, KY, LA, MS, WV)


    • Package policies available on Basic Form DP-1 or Special Form DP-3
    • Available for 1–2 family tenant-occupied locations
    • Available for 1–2 family owner-occupied locations†
    • Eligible insureds include individual, trust, estate, family, limited partnership and LLC
    • Dwellings under renovation are eligible on Basic Form DP-1
    • Coverage A (Building) starting at $75,000 on Basic DP-1*
    • Coverage A (Building) starting at $100,000 on Special Form DP-3*
    • Special Form DP-3 available for properties up to 90 years old
    • Up to 10 locations per policy*
    • Maximum property coverage of $1,000,000 total insured value
    • Liability limits up to $1,000,000
    • Medical payments of $5,000
    • Flat roofs up to 15 years available on both DP-1 and DP-3
    • Deductibles available from $1,000 to $5,000

    ADDITIONAL  Advantages

    • Comprehensive personal liability coverage is available up to $1,000,000 including personal injury coverage
    • Additional insureds can be added free of charge
    • No mandatory roof exclusion
    • Actual cash value roof endorsement available on Special Form DP-3
    • Discount available for sprinkler fire protection systems
    • Efficient online capabilities and phone quoting
    • A.M. Best rated A++ carrier

    Business Resource Center, Provides centralized access to business solution vendors for all policyholders

      • Human resources services
      • Pre-employment and tenant screenings
      • Identity theft protection
      • Marketing resources

    Call 1-888-875-1969 for an Instant Phone Quote 

    *Varies by state, contact your underwriter for more information

    Coverage not available in AK, AL, CA, FL, HI, KY, LA, MS, WV