Dwelling - High Value

Take your business to new heights with this program for one to four family higher-valued residential dwellings. It is designed to give coverage options to the insured. Dwellings, condos, townhouses, seasonal/secondary, renovation and vacant dwellings are eligible for values greater than $1,000,000.

About Our Agency

Wholesale agency respresenting the states of Delaware and Maryland

Coverages Available

Dwelling Fire Basic Form DP-1

Dwelling Fire Special Form DP-3

Coverage Options


  • V&MM coverage for DP-1
  • Replacement Cost Coverage for dwelling only on DP 3
  • Appurtenant Structures
  • Loss of Use/Additional Living Expense


  • Personal Liability Limits up to $1,000,000 if owner occupied
    Premises Liability Limits up to $1,000,000
  • Medical Payments To Others
    Limits up to $5,000

Residence Burglary:

  • Limits up to $10,000 (owner or tenant package occupied dwellings)

Guidelines (Additional state specific guidelines may apply):

  • Insurance to value is required to be 100% of ACV or Replacement Cost, whichever applies
  • A complete, signed application is necessary to bind coverage
  • Inspections with photos are required for all dwellings
Effective Date: 02/18/2019