AU Dwelling Fire

Coverage for 1-4 family dwellings, owner/tenant/seasonal/ short-term/vacation rental/condo occupancies based on ISO forms, with mono-line property and package available.

The AU Dwelling Fire product provides two options to insure these properties: Basic (DP1) Form covering damages due to fire, lightning, smoke, hail and five other perils; and Special (DP3) Form providing greater protection with additional perils such as power failure, war and neglect. Unique to this program is the ability to package premises liability coverage with the property. This makes the AU Dwelling product more comprehensive for Dwelling Fire risks.

The AU Dwelling Fire product caters to the unique needs of dwelling properties that standard markets shy away from due to occupancy, age, size, or other factors. These types of dwellings can include owners with multiple rental investments, secondary residences, vacation homes that are owner-occupied only a few weeks or months out of the year or rented as seasonal properties on a short-term basis.

AU Dwelling Fire Product Highlights

  • Coverage A (Dwelling)
  • Coverage B (Other Structures)
  • Coverage C (Personal Property)
  • Coverage D (Fair Rental Value)
  • Coverage E (Additional Living Expenses) Available on DP3 (owner-occupied) Form
  • DP1 and DP3 Policy Forms
  • Cosmetic Renovations
  • Theft coverage for Owner-Occupied Dwellings Available
  • Residential Premises Liability Limit
  • Swimming Pool Liability
  • Additional Insured Added at No Additional Cost

Eligible Risks

  • Seasonal Homes
  • Condominiums
  • Short-Term Rentals
  • Secondary Homes

Financial Strength

“A” AM Best Rating Lloyd’s Paper

Footprint

50 States

Easy On-line Quoting Platform

Quote Up to 6 Locations

Comprehensive Coverage

Package (Property & Liability) or Mono-line Property

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