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1. Property Types

  • 1-4 unit dwellings (Small apartments can be considered)

2. Limits

  • Up to $1 million per property

3. Deductibles

  • Range from $2,500 to $25,000 per location, per occurrence
  • Separate deductibles for wind/hail, named storm, EQ, Flood, etc.

4. General Coverage Summary

  • Special Causes of Loss (ISO based forms widely used)
  • Earthquake – by request
  • Flood – by request
  • Named Storm
    • When part of primary package policy and not on a separate DIC cover, EQ, Flood, and Named Storm will have separate, higher deductibles and often capped losses
  • Builder’s Risk for homes under minor renovation – not new construction (additional)
  • Business Personal Property (contents can be included)
  • Business Income (coverage for loss of rents can be included)


1. Standard limits are as follows:

  • $2,000,000 general aggregate
  • $1,000,000 per occurrence
  • $100,000 any one fire
  • $5,000 med pay per person

2. Excess Liability Coverage

  • Excess limits available from $1,000,000 to $25,000,000 

3. Deductibles

  • No deductible for General Liability

4. General Coverage Summary

  • ISO based Commercial General Liability coverage/forms