Offer coverage to customers whose homes don't fit the standard HO-3 because of age, value, use or past claims. Provide customers with a flexible solution that offers essential coverage in almost any circumstance.

A customer's investment may not always qualify for a standard homeowners policy. But you'll be happy to know there's an easy solution. Whether it's a rental property or a seasonal home, our DP-3 program offers comprehensive protection, replacement cost settlement, superior claims service and the kind of comfort and peace of mind customers deserve.

Also, not every home needs, or is eligible for, the full coverage of a homeowners policy. Often referred to as a dwelling or fire insurance policy, the DP-1 program provides the flexibility to offer essential coverage for homes that are any age, any occupancy, fair or better condition, even up to four-family construction. Liability protection and many other coverages can be added as options.

We even write coastal business in Connecticut and Maine!

Available: CT, MA, ME, NH, NJ, NY, PA, RI, VT

Dwelling Rating Portal: AMIG Modernlink

Home Eligibility:

DP-3:
  • Rental, seasonal or vacant (ME only) occupancy
  • Structure 80 years of age or newer (no age limit in CT)
  • Roof 20 years of age or newer
  • Above average of better condition, showing proper maintenance
  • Up to four-family construction
DP-1:
  • All occupancy types - rental, seasonal, vacant, owner
  • No restriction on the home's age
  • Fair or better condition
  • Standalone, non-residential structures
  • Up to four-family construction

DP-3 Coverage Highlights:

  • Comprehensive protection
  • Replacement cost settlement
  • Liability option
  • Personal property option
  • Loss of rent
  • Vandalism
  • Additional coverage: reasonable repairs, other structures, debris removal, fire department service charge, collapse, water and mold, improvements and alterations, trees, shrubs and lawn
  • Optional coverage: short-term rental permission, occasional rental, short-term vacancy permission, premises liability, personal property, limited burglary, breakdown protection, identity theft recovery

DP-1 Coverage Highlights:

  • Named peril protection
  • Acutal cash value settlement. Full repair cost available
  • Vacant homes eligible
  • Standalone structures
  • Loss of rent
  • Additional coverage: reasonal repairs, other structures, debris removal, fire department service charge
  • Optional coverage: short-term rental permission, occasional rental, short-term vacancy permission, premises liability, personal property, vandalism, limited burglary, breakdown protection, identity theft recovery

Can write DP-3 or DP-1 in the name of an LLC or corporation. Protection classes 1-10 are allowed.

Discounts available!

Please feel free to contact our personal lines department for more information. You may also create a user name and password to the AMIG portal so that you may quote, bind, endorse, print policy paperwork, etc!

Dwelling Applications:


*CPL, ECPL, FCPL and PUP program available in all of CT, MA, ME, NH, NJ, NY, PA, RI, VT.

CPL & PUP Applications:

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If you are an individual or business looking to purchase insurance you must contact your local retail agent for additional product information.