Homeowners & Dwelling Programs

We want to offer your customers the best protection for their assets.
There can be many reasons why homeowners or dwellings no longer fit standard markets.
Let CIU offer the best solution for your client and their unique circumstances.

Contact Our Personal Lines Team
  • Homeowners Program
  • Applications
Homeowners Program 
• Primary or Seasonal / Secondary homes• Modular homes on permanent foundation (No Mobile Homes)
• High Value Homes• Older Homes that have been updated (including homes on Historical Registry)
• Homes out of state (many states available)• Replacement Cost, Actual Cash Value, Functional Replacement Cost available
• Earth Berm Homes 
• Log Homes (incl true log homes) 
• HO-6 -Condo Unit Homeowners & HO-4 -Tenant Homeowners
  • Dwelling Program
  • Applications
Dwelling Program 
• Tenant or Owner Occupied Dwellings (1-4 Family)• Tiny Homes (on permanent foundation w/permanent utilites)
• Vacant or Dwellings under Renovation• Stand Alone Adjacent Structures (no living quarters - ie garage/dock)
• Smaller, older, low value homes• Floating homes or dwellings on stilts
• Metal/Mortaon Buildings - Primary/Seasonal Residence• Builder's Risk (Ground up Construction)
• Commercial building converted to Private Residence• Dwellings in the name of a Trust/LLC/Esate
• Short Term Rental/Airbnb situations (3 night minumum rental)
Additional Coverages may be available: 
• Extended replacement cost• Scheduled Inland Marine coverage
• Identity fraud expense• Equipment Breakdown coverage
• In-home business (in some states)• Earthquake coverage (MO)
• Personal injury• Service Line coverage
• Loss assessment• Water/Sewer Backup
• Extended Liability coverage for rental properties or a secondary residence

Having difficulty with other markets? Not with us! We specialize in risks with:
• Prior losses or credit issues
• Prior declinations
• Lower value homes in good condition
• No prior insurance of lapse
• New purchases
• Homes in a LLC, a Trust or Estate
• Homes with roof in poor condition (Roof Exclusion available)
• Homes in higher Protection Classes (PC 8, 9 or 10)