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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