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DWELLING FIRE INSURANCE

Surplus lines solutions for primary, secondary, tenanted, and seasonal homes.
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CUSTOMIZABLE SPECIALTY INSURANCE FOR YOUR CLIENTS’ DWELLING EXPOSURES

To serve the various property protection requirements of a range of dwelling owners and landlords, agents need access to flexible coverage solutions. DeCotis Specialty Insurance offers Dwelling Fire Insurance from AM Best A-Rated markets with basic to broad coverage, monoline and package policy, and Excess Property and Liability options, all designed specifically for single- and 1-4 family properties.

Target Classes

FOR DWELLING OWNERS, LANDLORDS, AND TENANTS

We provide our agency partners with access to specialty insurance solutions for various rental properties and ownership structures, including but not limited to:

  • Owner- or tenant-occupied 1-4 family dwellings
  • Owners of single or multiple locations
  • Short-term rental dwellings
  • Dwellings in the name of trusts, estates, LLCs, and LPs

Product Highlights

  • Coverage available as monoline Property or package policy
  • DP-1 and DP-3 policy forms
  • Coastal locations acceptable
  • Liability limits up to $1 million
  • Standalone Liability policy available
  • Excess Property and Excess Liability policies available
  • Customizable B, C, and D Coverage options, so clients only pay for what they need

Product Highlights

  • Instant comparative quote with
    multiple markets
  • New ventures are eligible
  • Blanket AI, Primary/Noncontributory, Waiver of Subrogation, Per Project Aggregate
  • Up to 100% of subcontracted work qualifies

SUBMISSION REQUIREMENTS

Download an ACORD 84—Dwelling Fire Application and provide any additional relevant information. Send the application to: Quotes@DeCotis.com.

DOWNLOAD NOW
A completed ACORD Dwelling Fire Application form from Decotis, showing fields for applicant information, property details, Dwelling Insurance coverages, endorsements, premium amounts, payment options, and underwriting questions.

GETTING A DWELLING FIRE QUOTE IS SIMPLE

Select one of the following options to request a quote for your clients’ specialty insurance needs:

Get an Online Quote
Submit an Application
Contact an Underwriter

States where
we do business

States where we do business

Northeast
  • Connecticut
  • Delaware
  • Maine
  • Maryland
  • Massachusetts
  • New Hampshire
  • New Jersey
  • New York
  • Pennsylvania
  • Rhode Island
  • Vermont
Mid-Atlantic
  • District of Columbia
  • Florida
  • Georgia
  • North Carolina
  • South Carolina
  • Virginia
Southwest
  • Arizona
  • Colorado
  • New Mexico
  • Oklahoma
  • Texas

CROSS-SELL OPPORTUNITIES FOR SURPLUS LINES

Your clients may also require these products.

Real Estate Investors Insurance

Provides residential rental property owners, builders, and managers that have multiple properties across numerous locations with a single, streamlined coverage for their property and liability risks.

Learn More
Personal Umbrella and Excess Liability Insurance

Offers additional liability coverage to pay for legal defense costs, settlements, and judgments when the limits of an underlying Auto, Homeowners, Watercraft, or Recreational Vehicle policy are reached.

Learn More

Does DeCotis Deliver? Hear From Our Agency Partners.

The thing I love the most about DeCotis is the close-knit, family-like culture where relationships go beyond just work. With DeCotis, you’re not just another agent—you’re part of the family. Trusted expertise, personal attention, and genuine care every step of the way.
Shannon DonovanTashmoo Insurance Agency Inc
DeCotis is by far the most responsive of the carriers we work with and the most willing to work with the agents. Whether it’s simple acknowledgement on submissions, binder/invoice turnaround, or simple service requests, the service is second to none.
John DutneyBerlin Insurance Group, LLC
The DeCotis team is everything you hope for in a partner—attentive, collaborative, and always a step ahead. Their service goes beyond responsiveness; it’s the kind of relationship built on trust and a shared commitment to doing things right.
Mackenzie HanniganBayside Insurance Underwriters
We have been working with DeCotis for nearly a decade and have experienced nothing but excellent service. Their responsiveness, customer service, and expertise in the industry set them apart from other brokers. We look forward to continuing our partnership for many years to come!
Sean M. Segreve, CPCU, CIC, CISRSegreve & Hall

THE POWER OF CHOOSING DECOTIS

  • Instant Online Quote Options for Agents
  • Customized Coverage Options
  • Responsive Support from Experienced Underwriters
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