DUAL North America Homeowners program builds on its Homebound Insurance Exchange partnership

Now serving five states, the expanded partnership extends innovative personal lines coverage to Arizona, Georgia, Oklahoma, Tennessee, and Texas

DUAL North America‘s (“DUAL”) strategic partnership between DUAL Personal Lines and Homebound Insurance Exchange continues to grow. Originally launched to bring new personal lines capacity to the Texas market, this trusted offering is now expanded to include Arizona, Georgia, Oklahoma, and Tennessee, significantly widening the reach of innovative flexible personal property solutions This collaboration and expansion marks a significant milestone for DUAL Personal Lines as it expands its capacity offerings and geographic reach, particularly in a challenging market where many carriers are pulling out or restricting their capacity. 

The expanded offering continues to deliver a streamlined, responsive approach to personal lines—covering dwelling fire, flood, homeowners, and manufactured housing—designed to meet the evolving needs of both agents and insureds. With a focus on accessibility, flexibility, and service, the program provides agents with a trusted solution for placing personal lines business in dynamic and often challenging markets. As a member-focused reciprocal exchange, we harness the collective strength of our policyholders to offer tailored protection and shared benefits. This collaboration brings financial stability and long-term security to policyholders while reinforcing DUAL’s commitment to offering competitive and client-focused insurance products. 

The homeowner’s product is designed with flexibility in mind, offering extended replacement cost and replacement cost coverage for homes built in 1945 or newer with values up to $500,000. For older homes, actual cash value coverage is available for properties with values up to $250,000, ensuring a range of options to meet varying needs.   

The program is backed by strong financial credentials, including a Financial Stability Rating (FSR) ‘A’ (exceptional) from Demotech Inc.

This latest expansion reflects DUAL’s ongoing commitment to delivering practical, forward-thinking solutions and supporting its partners with the tools and products they need to succeed.