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    Homeowner Products Quoting

    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.

    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.

    Property Protection from Ground-Breaking through Certificate of Occupancy

    Weather-related damage, equipment failure, theft, fire, and related construction risks can topple even the best planned projects.  The Builder’s Risk Program provides comprehensive property protection for ground-up construction, course of construction or renovation risk.



      • All risk – subject to policy exclusions
      • Flexible policy periods from 3-36 months
      • Critical CAT capacity for earthquake, flood, and coastal windstorm
      • Dwelling limits from $100,000 to $20,000,000
      • Rehabilitation/renovation projects involving non-structural/minor structural work
      • Delay in completion coverage available for soft costs, rental income and business income
      • Project-specific coverages


    Submission Requirements

    • Completed application

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

    Dwelling Fire

    1-2 Family Dwelling Product – Personal Lines

    • Package policies available on Basic Form DP-1 or Special Form DP-3
    • Available for 1–2 family tenant-occupied locations
    • Eligible insureds include individual, trust, estate, family, limited partnership and LLC
    • Dwellings under renovation are eligible on Basic Form DP-1
    • Special Form DP-3 available for properties up to 90 years old
    • Up to 10 locations per insured (varies by state)
    • Protection class 1–8
    • Electrical systems are on circuit breakers with 100 amp service
    • Plumbing systems comprised of copper, cast iron, galvanized, PEX or PVC
    • Asphalt shingle roof up to 25 years old is eligible
    • Flat roofs up to 15 years available on both DP-1 and DP-3
    • Dwellings located in coastal areas are eligible (wind and hail exclusion applies)

    Quotes may be available for our Commercial product if ineligible for Personal Lines.
    Separate product available for CT, GA, IL, IN, MI, MN, NY, OH, PA, SC and VA

    Product 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
    • Discount available for sprinkler fire protection systems
    • Inspections ordered, paid for and managed by USLI
    • Efficient online capabilities and phone quoting
    • A.M. Best rated A++ carrier


    • DP-1 Basic Form Coverage A minimum of $75,000 ($100,000 in MO)
    • DP-3 Special Form Coverage A minimum of $100,000 ($150,000 in MO)
    • DP-1 and DP-3 Form total insured value maximum of $1,000,000
    • Medical payments of $5,000
    • Up to:
      • 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


    • Deductibles available range from $1,000 to $5,000
    • Special deductibles available for wind and hail coverage


    • 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
    • Owned by corporations*
    • Risks used as rooming or boarding houses or as student housing
    • Use of wood stoves
    • Rented with shorter than six-month lease terms
    • Not available in AK, AL, CA, HI, FL, KY, LA, MS, TN, WV and City of Detroit

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

    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