1-4 Family Dwellings (Personal)

photo of family dwelling for 1-4Insurance for Dwelling Package

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Insurance for Dwelling Package

Designed for one to four family dwellings. Our “A++” rated carrier has coverage available on a dwelling package basic or dwelling package special form.

 

Ineligible Dwelling Package

Please note we cannot offer coverage to the following:

  • Available in all states except AL, AK, CA, FL, HI, KY, TN, LA, MS and WV

 

Available Coverage for Dwelling Package

  • One to four family tenant occupied dwellings and two to four family owner occupied dwellings are eligible
  • Dwellings in coastal areas can be written excluding wind
  • Applicants with one prior loss acceptable
  • Dwelling package special form available for completely updated dwelling over 25 years old
  • Trusts, estates, limited partnerships and family partnerships may be written as the named insured

 

 

Coverage Limits Available for Dwelling Package

  • Up to $1,000,000 in total insured value
  • Supplemental liability limits up to $1,000,000 and medical payments up to $5,000

 

 

Optional Coverage for 1-4 Family Dwelling

  • Hired and non-owned auto liability is available except in AZ, GA, IL, MS, or VT
  • Equipment breakdown coverage is available

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Claim Example for Dwelling Package

photo of home engulfed in flames

Toasted Lamb Chop: The insured was cooking a lamb chop in a broiler when the stove caught fire, ignited a pan of oil on the stove top, and resulted in over $100,000 in fire, smoke, and water damage.

Faulty Furnace: The insured’s tenant claimed she became ill from carbon monoxide poisoning resulting from a faulty furnace. The tenant claimed permanent brain damage and demanded $750,000.

Falling Contractors: The insured hired a contractor to rebuild a deck. During construction, an employee of the contractor fell and fractured his leg. Unfortunately, the contractor allowed his workers’ compensation insurance to lapse. The claim for lost wages, pain and suffering, and medical rehabilitation resulted in a claim in excess of $300,000.

Creeping Tree Roots: Tree roots originating on the insured’s property damaged the neighbor’s retaining wall resulting in a claim in excess of $65,000.

Boys Will Be Boys: The insured’s 3 year-old tenant was jumping on his bed when he lost his balance and grabbed an exposed hot water heating pipe. The minor claimant suffered second-degree burns and recovered damages in excess of $27,000.

Unhappy Buyer: The insured was accused of misrepresenting material facts relative to his home to a prospective buyer. Although the claimant recovered no money, insured legal costs exceeded $5,000.

Please note –
You must be an appointed Peachtree Special Risk Brokers, LLC retailer to use these programs. Quotes obtained via these programs will only be bound IF you are previously appointed producer with a currently executed Producer Agreement with any Peachtree office.  |  Also, you must be properly licensed with the State in which the risk is located, with a copy of your State license on file with us.  |  Prior to Binding, you must confirm with your local Peachtree office to determine any and all applicable taxes and fees.  |  No coverage is bound until confirmed in writing from a Peachtree representative.  |  Please contact a Peachtree representative if needed for additional pricing considerations on any quote received using these programs or if your submission has been declined.  – Thank you! –