Habitational Program


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  • Meet or exceed all lending requirements
  • Limited coverage for bodily injury by canine included ($25,000 or $50,00)
  • Coverage for carbon monoxide
  • Special Form and RC
  • Other Structures, Loss of Rents, Business Personal Property, named Windstorm, Ordinance or law, Terrorism and Political Violence
  • Optional Tenant Protector Plan includes Vandalism (not intentional), Sewer and Drain Back-up, Wind/Hail, Earth Movement (Sinkhole and Earth Shock) and Equipment Breakdown


  • Single Family home (tenant-occupied)
  • Dwelling or complex with 2 to 20 units (tenant occupied, vacant, or under renovation)
  • 1 to 20 unit property in between tenants or on the market to sell
  • 1 to 20 unit dwelling condos, or mobile home being renovated
  • Ground up construction of entire new structure
  • Furnished property (up to 20 units) or condo rented out on short term basis
  • Walls-in coverage on an individually owned unit in any stage of occupancy
  • Tenant-occupied or vacant manufactured, modular or mobile dwelling
  • Stand-alone liability coverage for a parcel of land with no dwelling
  • A loan purchased from a borrower behind on or not making payments


  • Coverage for Vacant, renovation or Tenant-Occupied properties
  • Pay-as-you-go monthly with no minimum earned premiums or long-term commitments
  • Tailor coverage options to fit your specific property investment strategy
  • Insure multiple trusts , IRAs, LLCs and Corporations under one schedule
  • Coverage available across country
  • No Co-Insurance penalty (subject to valuation)
  • Meet or exceed all lending requirements