For owner-occupied homes
Standard HO-3 coverage for primary residences — dwelling, other structures, personal property, loss of use, personal liability, and medical payments. We also write higher-value homes (HO-5) and condo policies (HO-6) for unit owners.
For landlords & small portfolios
Dwelling fire (DP-3) coverage for rental properties is our bread and butter — and where most generalist agents get it wrong. We routinely insure single-family rentals, duplexes, triplexes, and small multifamily for landlords who manage their own properties or use a third-party PM.
If your portfolio is larger than a handful of doors, ask us about scheduled-property policies that put all your units on one document with a single renewal date.
For tenant-occupied properties
We help your tenants get renter's insurance on day one of the lease — often before they move in. That protects their belongings and gives you the liability backstop that mortgages and management agreements increasingly require.
For vacant buildings
Mid-rehab, between tenants, or held for redevelopment — vacant property coverage protects the structure during the awkward window when standard policies want to non-renew you. We have carriers who actually want this risk.