Dwelling Fire
Please select a state:
SUG Ohio Dwelling Fire Product Offering
Dwelling Fire has long been a product that we focus on and it is currently our largest product line. We offer DP-3 (Special Form), DP-1 (Basic Form) and Commercial Form ISO products through a number of different carriers. We currently offer four different carriers in Ohio, with complementary underwriting criteria, allowing you to expand your reach with your DWF products.
Our targeted market segments include stand-alone dwellings that are not desirable to standard insurers because of age, condition, losses or other underwriting criteria.
A particular area of specialty is our vacant dwelling product offering. We offer four different programs in Ohio and can provide unique coverage opportunities, such as Builder’s Risk Renovation Coverage, Vacancy Endorsement (for temporary vacancies) , DP-3 / Special Form coverage for newer homes and stand alone Other Structures coverage for pole bans, hunting lodges and camping structures. Vacant dwellings are a focus of ours; when you think of vacant dwellings, please think of SUG. We can insure vacant 1-4 family properties, as well as vacant condos and vacant manufactured homes.
All of our offered programs are admitted and direct bill. They offer pay plans and accept credit card payment. All also offer online rating and most offer online upload of applications.
We also realize that our dwelling products may not comprise a large portion of the business that you write, so we are also more than happy to provide a quote to you.
Our intention is to provide you with a comprehensive product offering that will provide a market for most reasonable properties and provide you with all of the tools to quickly quote and issue business and service your customers.
Offers a very comprehensive product offering of DP-3, DP-1 and Commercial Form ISO products.Commercial Form ISO product is intended for schedules of 10 or more habitational properties. They also offer a number of unique additional coverages, such as Full Repair Cost, Agreed Value Modified replacement Cost, Builder’s Risk renovation coverage and Burglary coverage for vacant properties. Online rating, new application upload, as well as online policy access is available.
AMIG modernLINK Online System for Rating and Issue (login + password necessary)
Aegis currently provides an Unoccupied Program for vacant properties. This program is offered on a Rater Application, from which you both rate a risk and apply for new business. Aegis is currently in process of adding a DP-1 Program, for all occupancies, as well as an online rater and policy processing system.
Aegis Ohio Unoccupied Dwelling Application
Aegis Ohio Unoccupied Dwelling Underwriting Guidelines
If you would like to submit a risk for immediate quoting, please complete and return the following quote sheet:
Providing Basic dwelling coverage for owner, tenant and vacant occupancies, Hanover is our “hard to place” carrier. They will accept risks not acceptable to our other insurers. They do not require prior coverage, they do not look at customer credit and they will consider more challenged property conditions. They will also write student housing. Hanover provides an online quick quoter (no login / password) and an online policy processing system (login + password required).
Hanover Online System for Rating and Policy Issue (login + password required)
DP-3 and DP-1 coverage offered, for all occupancies, including vacant. Also offering additional coverages, such as Builder’s Risk and Permitted Vacancy. Can schedule as few as two properties onto one policy, with no limit on the number of properties. Markel also offers the quickest and easiest online rater; no logins or passwords needed.
SUG Kentucky Dwelling Fire Product Offering
Dwelling Fire has long been a product that we focus on and it is currently our largest product line. We offer DP-3 (Special Form), DP-1 (Basic Form) and Commercial Form ISO products through a number of different carriers. We currently offer three different carriers in Kentucky, with complementary underwriting criteria, allowing you to expand your reach with your DWF products.
Our targeted market segments include stand-alone dwellings that are not desirable to standard insurers because of age, condition, losses or other underwriting criteria.
A particular area of specialty is our vacant dwelling product offering. We offer three different programs in Kentucky and can provide unique coverage opportunities, such as Builder’s Risk Renovation Coverage, Vacancy Endorsement (for temporary vacancies) , DP-3 / Special Form coverage for newer homes and stand alone Other Structures coverage for pole bans, hunting lodges and camping structures. Vacant dwellings are a focus of ours; when you think of vacant dwellings, please think of SUG. We can insure vacant 1-4 family properties, as well as vacant condos and vacant manufactured homes.
All of our offered programs are admitted and direct bill. They offer pay plans and accept credit card payment. All also offer online rating and most offer online upload of applications.
We also realize that our dwelling products may not comprise a large portion of the business that you write, so we are also more than happy to provide a quote to you.
Our intention is to provide you with a comprehensive product offering that will provide a market for most reasonable properties and provide you with all of the tools to quickly quote and issue business and service your customers.
Offers a very comprehensive product offering of DP-3, DP-1 and Commercial Form ISO products.Commercial Form ISO product is intended for schedules of 10 or more habitational properties. They also offer a number of unique additional coverages, such as Full Repair Cost, Agreed Value Modified replacement Cost, Builder’s Risk renovation coverage and Burglary coverage for vacant properties. Online rating, new application upload, as well as online policy access is available.
AMIG modernLINK Online System for Rating and Issue (login + password necessary)
Commercial Form Product Highlights and Quoting Procedures***
Aegis currently provides a DP-1 Basic Form coverage program for Owner-Occupied, Rental, Seasonal and Vacant occupancies. Aegis can also schedule as few as two dwellings onto a policy. Online rating and new application upload is available. Aegis’ sweet spot is lower-valued dwellings with basic coverage needs.
Aegis First Online System for Rating and Issue (login + password necessary)
If you would like to submit a risk for immediate quoting, please complete and return the following quote sheet:
DP-1 coverage is offered, for all occupancies, including vacant. Also offering additional coverages, such as Builder’s Risk and Permitted Vacancy. Can schedule as few as two properties onto one policy, with no limit on the number of properties. Markel also offers the quickest and easiest online rater; no logins or passwords needed.
SUG Illinois Dwelling Fire Product Offering
Dwelling Fire has long been a product that we focus on and it is currently our largest product line. We offer DP-3 (Special Form), DP-1 (Basic Form) and Commercial Form ISO products through a number of different carriers. We currently offer two different carriers in Illinois, with complementary underwriting criteria, allowing you to expand your reach with your DWF products.
Our targeted market segments include stand-alone dwellings that are not desirable to standard insurers because of age, condition, losses or other underwriting criteria.
A particular area of specialty is our vacant dwelling product offering. We offer two different programs in Illinois and can provide unique coverage opportunities, such as Builder’s Risk Renovation Coverage, Vacancy Endorsement (for temporary vacancies) , DP-3 / Special Form coverage for newer homes and stand alone Other Structures coverage for pole bans, hunting lodges and camping structures. Vacant dwellings are a focus of ours; when you think of vacant dwellings, please think of SUG. We can insure vacant 1-4 family properties, as well as vacant condos and vacant manufactured homes.
All of our offered programs are admitted and direct bill. They offer pay plans and accept credit card payment. All also offer online rating and most offer online upload of applications.
We also realize that our dwelling products may not comprise a large portion of the business that you write, so we are also more than happy to provide a quote to you.
Our intention is to provide you with a comprehensive product offering that will provide a market for most reasonable properties and provide you with all of the tools to quickly quote and issue business and service your customers.
Offers a very comprehensive product offering of DP-3, DP-1 and Commercial Form ISO products.Commercial Form ISO product is intended for schedules of 10 or more habitational properties. They also offer a number of unique additional coverages, such as Full Repair Cost, Agreed Value Modified replacement Cost, Builder’s Risk renovation coverage and Burglary coverage for vacant properties. Online rating, new application upload, as well as online policy access is available.
AMIG modernLINK Online System for Rating and Issue (login + password necessary)
Aegis currently provides a DP-1 Basic Form coverage program for Owner-Occupied, Rental, Seasonal and Vacant occupancies. Aegis can also schedule as few as two dwellings onto a policy. Online rating and new application upload is available. Aegis’ sweet spot is lower-valued dwellings with basic coverage needs.
Aegis First Online System for Rating and Issue (login + password necessary)
SUG Indiana Dwelling Fire Product Offering
Dwelling Fire has long been a product that we focus on and it is currently our largest product line. We offer DP-3 (Special Form), DP-1 (Basic Form) and Commercial Form ISO products through a number of different carriers. We currently offer four different carriers in Indiana, with complementary underwriting criteria, allowing you to expand your reach with your DWF products.
Our targeted market segments include stand-alone dwellings that are not desirable to standard insurers because of age, condition, losses or other underwriting criteria.
A particular area of specialty is our vacant dwelling product offering. We offer four different programs in Indiana and can provide unique coverage opportunities, such as Builder’s Risk Renovation Coverage, Vacancy Endorsement (for temporary vacancies) , DP-3 / Special Form coverage for newer homes and stand alone Other Structures coverage for pole bans, hunting lodges and camping structures. Vacant dwellings are a focus of ours; when you think of vacant dwellings, please think of SUG. We can insure vacant 1-4 family properties, as well as vacant condos and vacant manufactured homes.
All of our offered programs are admitted and direct bill. They offer pay plans and accept credit card payment. All also offer online rating and most offer online upload of applications.
We also realize that our dwelling products may not comprise a large portion of the business that you write, so we are also more than happy to provide a quote to you.
Our intention is to provide you with a comprehensive product offering that will provide a market for most reasonable properties and provide you with all of the tools to quickly quote and issue business and service your customers.
Offers a very comprehensive product offering of DP-3, DP-1 and Commercial Form ISO products.Commercial Form ISO product is intended for schedules of 10 or more habitational properties. They also offer a number of unique additional coverages, such as Full Repair Cost, Agreed Value Modified replacement Cost, Builder’s Risk renovation coverage and Burglary coverage for vacant properties. Online rating, new application upload, as well as online policy access is available.
AMIG modernLINK Online System for Rating and Issue (login + password necessary)
Aegis currently provides a DP-1 Basic Form coverage program for Owner-Occupied, Rental, Seasonal and Vacant occupancies. Aegis can also schedule as few as two dwellings onto a policy. Online rating and new application upload is available. Aegis’ sweet spot is lower-valued dwellings with basic coverage needs.
Aegis First Online System for Rating and Issue (login + password necessary)
Aegis also provides an unique Unoccupied Program for vacant properties. This program is offered on a Rater Application, from which you both rate a risk and apply for new business. This Program offers more competitive pricing than Aegis’ other vacant program.
Aegis Indiana Unoccupied Dwelling Application and Underwriting Guidelines
Providing Basic dwelling coverage for owner, tenant and vacant occupancies, Hanover is our “hard to place” carrier. They will accept risks not acceptable to our other insurers. They do not require prior coverage, they do not look at customer credit and they will consider more challenged property conditions. They will also write student housing. Hanover provides an online quick quoter (no login / password) and an online policy processing system (login + password required).
Hanover Online System for Rating and Policy Issue (login + password required)
DP-1 coverage is offered, for all occupancies, including vacant. Also offering additional coverages, such as Builder’s Risk and Permitted Vacancy. Can schedule as few as two properties onto one policy, with no limit on the number of properties. Markel also offers the quickest and easiest online rater; no logins or passwords needed.
SUG West Virginia Dwelling Fire Product Offering
Dwelling Fire has long been a product that we focus on and, across all of the states where we offer products, it is currently our largest product line. We are new to West Virginia and are currently building our product offering and our base of experience.
Our targeted market segments include stand-alone dwellings that are not desirable to standard insurers because of age, condition, losses or other underwriting criteria. We offer coverage for owner-occupied, rental, vacant and seasonal occupancies.
Aegis Security Insurance Company, our West Virginia carrier, offers programs that are admitted and direct bill. They offer pay plans and accept credit card payment. They also offer online rating and online upload of applications.
We also realize that our dwelling products may not comprise a large portion of the business that you write, so we are also more than happy to provide a quote to you.
Our intention is to provide you with a comprehensive product offering that will provide a market for most reasonable properties and provide you with all of the tools to quickly quote and issue business and service your customers.
Aegis currently provides a DP-1 Basic Form coverage program for Owner-Occupied, Rental, Seasonal and Vacant occupancies. Aegis can also schedule as few as two dwellings onto a policy. Online rating and new application upload is available. Aegis’ sweet spot is lower-valued dwellings with basic coverage needs.
Aegis First Online System for Rating and Issue (login + password necessary)
| Which SUG Property Market Is Best For Your Risk? | ||||
|---|---|---|---|---|
| American Modern | Markel American | Aegis | Hanover Fire & Casualty | |
| Permissible Occupancies | Owner, Rental, Seasonal, Vacant | Owner, Rental, Seasonal, Vacant | Owner, Rental, Seasonal, Vacant | Owner, Rental, Seasonal, Vacant |
| Condition of Home | Fair or better condition, exhibiting proper maintenance | Fair or better condition, exhibiting proper maintenance | Fair or better condition, exhibiting proper maintenance | More challenged conditions are considered |
|
Acceptable
Property Values |
Varies by state and program. Please contact SUG for details. | $15,000 - $200,000 |
HO $40,000 - $125,000
DWF $20,000 - $125,000 |
IN Occupied $20,000 - $150,000 OH Occupied $20,000 - $100,000 IN, OH Vacant $15,000 - $300,000 |
| Policy Form | HO, DP-3, DP-1 | DP-3 (OH Only), DP-1 | HO, DP1 | DP1 |
| Loss Settlement Options |
ACV, RC, Functional RC,
Full Repair Cost |
RC (OH Only), ACV | ACV | ACV |
| States Where Available | IL, IN, KY, OH | IN, OH, KY | IL, IN, KY, WV | IN, OH |
| Credit Used in Rating | Yes | Yes | Yes | No |
| Prior Coverage Requirements |
Prior coverage within last 30 days. Longer lapses considered as exceptions.
|
Prior coverage within last 30 days. Longer lapses considered as exceptions. |
No lapses acceptable. | No prior coverage requirements. |
| Losses | Maximum 3 losses in last 3 years. |
One weather and 1 non-weather loss in last 3 years |
One minor loss in last 3 years. No fire, theft of liability losses. | No restrictions by number of losses. Questionable cases should be submitted. |
| Wiring Requirements | Fuses acceptable, no knob & tube | Circuits only | Circuits only |
Fuses acceptable.
Knob & tube acceptable. |
|
Photos Needed with
New Business |
Inspections done.
No photos needed. |
Inspections done.
No photos needed. |
Inspections done.
No photos needed. |
Photos must be submitted with new business. |
| Online Rating Available | Yes | Yes | Yes | Yes |
|
New Application
Upload Available |
Yes | No | Yes | Yes |