Vacant Dwelling Fire

Specialty Personal Insurance
Niche Specialty Personal Lines products consisting of Manufactured Housing, HO-10 Homeowner, Dwelling Fire, Vacant Dwelling, Motor Home,

Travel Trailer, Watercraft, Motorcycle, Snowmobile and Collector Auto.

Standard & Preferred Personal Insurance
Standard and Preferred Personal Lines products consisting of Package, Automobile, Homeowners, Recreational Vehicle, Motorcycle, Watercraft and

Umbrella.

Commercial Insurance BOP Programs
Niche BOP products that offer unique coverages for the Artisan Contractor, Food Service, Tavern, Convenience Store and Apartment (5+units)

business sectors. Other everyday standard
BOP classes available.

Vacant Dwelling Fire

Occupancies	Owner, Rental, Tenant, Seasonal and Commercial. Vacant units can be covered under the DP-1 program.
No Depreciation For Total Loss	Policy includes Stated Value coverage for a total loss. The dollar amount on the dec page is the amount the customer receives.
Flexible Coverage For Partial Loss	Customer may choose from ACV valuation or upgrade to replacement cost.
Liability	As a package program, we include protection for accidental injury or damage to property, with coverage limits up to $300,000
Breakdown Protection	Endorsement supplements the policy with coverage for the sudden and acidental failure of electrical and mechanical systems.
Enhanced Coverage	Increase the limits for additional living expenses, collapse, emergency removal, fire department surcharge, antenna/satellite dish and more.
Identity Recovery	Special option provides professional assistance and up to $15,000 expense reimbursement.
Earthquake	Available in most states.

"The Specialists In Specialty Insurance"