Insurance for residential property and belongings

Homeowners insurance provides financial protection for a property's structure and contents. It can also cover other expenses and liabilities. 

The DUAL Homeowners program is designed for owner-occupied and seasonal dwellings. Replacement cost value, replacement cost partial, and actual cash value loss settlements are available. We operate in Texas, Arizona, Oklahoma, Georgia & Tennessee. Coverages and available limits vary by state.

Key features

  • Coverage options ranging from basic to special form policies, with extra coverages available 
  • Easy-to-use quoting platform lets you quote, issue, and service policies all in one place 
  • Flexible payment plans including mortgage-billed and direct bill options, like ACH and credit and debit cards  
  • Low down payment of 12% 
  • Flexible deductible options 
  • Replacement cost on homes built after 1945 worth up to $500,000 
  • Replacement cost (partial and actual cost value) for homes (any age) valued up to $250,000 
  • Special policy for homes built after 1980, with coverage A from $150,000 and claims-free 
  • Liability and theft cover included for owner-occupied homes 
  • IVANS download lets you transfer policy, claims, and commissions data into your own system 
  • ISO 360 valuation tool helps you calculate accurate coverage A values
  • Self-inspect option so clients can inspect their properties in their own time
  • Customer portal where clients can file a claim, make a payment, and manage their policy

A-rated

capacity

Up to $250,000 (ACV)

dwelling limit

Up to $500,000 (RCV)

dwelling limit

Up to $500,000

personal liability

Target classes

Primary homes

Secondary homes

Vacation homes

Vacant homes

Seasonal homes

Rental properties

Newer homes

Older homes

Contact the expert

Photo of Tyson Horn

Tyson Horn

SVP Underwriting & Product Management

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