Dwelling Fire

Don't get burned by missed opportunities. This program is for one to four family occupied dwellings. It is designed to give the insured coverage options. Dwellings, condos, and townhouses are eligible for values up to $1,000,000.

Contact your Underwriter at Sovereign or info@sovereignins.com or 800-843-0843

About Our Agency

Sovereign serves insurance professionals in New York, New Jersey, Pennsylvania & Massachusetts. All programs are not available in all states.

Underwriting Rules

May Affect Eligibility:

  • Liability on risks with unfenced swimming pools 
  • Accounts with any type of loss exceeding $10,000
  • Dwellings with three or more mortgages
  • Dwellings with more than three losses

Prohibited Business

  • Risks with any domestic, guard, or vicious animals. Prohibited dog breeds include but are not limited to Chows, Pit Bulls (Staffordshire Terrier, Bull Terrier), Dobermans, Rottweillers and Wolf Hybrids
  • Bankruptcy /Foreclosure /Repossession within past three years
  • Mobile Homes (unless permanently attached to foundation and deeded)
  • Barns
  • Risks with four or more losses within the last three years
  • Liability on Risks with daycare and pools
  • Appurtenant structures without dwelling
  • Risks with existing fire damage
  • Wood stoves as a primary source of heat in a PC 9 or 10
Effective Date: 10/29/2015