Types of Dwellings

We know that there is more than one type of property that needs coverage. This is why we have multiple insurance options available to suit your specific needs. See below for types of dwellings covered, as well as discounts and additional coverage available.

Types of Dwellings

We know that there is more than one type of property that needs coverage. This is why we have multiple insurance options available to suit your specific needs. See below for types of dwellings covered, as well as discounts and additional coverage available.

Single Family Dwelling

This type of dwelling is a stand alone structure, designed for occupancy by single family unit.

Semi-Detached Dwelling

This type of dwelling is a side-by-side, two family dwelling. Semi-detached dwellings are divided by a common wall, with each residence having a separate entrance.

Row Housing

Row housing is a series of dwellings built in a row, designed to accommodate several families in individual units. Row housing dwellings are divided by common walls, with each unit having a separate entrance.

Townhouse

Townhouses are a series of dwellings built in a row, designed to accommodate several families in individual units. These dwellings are divided by a parapet, with each unit having a separate entrance.

Mobile Home

This type of dwelling is a prefabricated structure, built in a factory on a permanently attached chassis before being transported to site. Mobile homes are left permanently, or semi-permanently, in one place but can be moved if necessary. If this type of dwelling is skirted and used as a permanent home, they can often qualify for a Homeowners Insurance Package.

Modular or Manufactured Home

This type of dwelling is built in a factory and then taken to the building site and put in place on a foundation. When finished, modular or manufactured homes appear to be a site-built conventional dwelling

Multi-Family Dwelling

This type of dwelling is a stand alone structure with more than one self contained unit. Each of these units has a separate kitchen, bathroom and living area. Other common terms for type of dwelling include Duplex & Triplex.

Duplex

A duplex is a two family dwelling with one on top of the other. Each of the units has a separate entrance, specifically designed and built this way.

Triplex

A triplex is a three family dwelling with one on top of the other. Each of the units has a separate entrance, specifically designed and built this way.

For multi-family dwellings to qualify for a Homeowners Policy the owner(s) of the property must occupy at least one of the units

Homeowner Specific Discounts

Claims Free

Age Related Discounts

Multi-Policy

Mortgage Free

Fire & Burglar Alarm

New Home

Loyalty Discounts

Stability of Residence Discount

Renewal Discounts

Non-Smokers

Claim Prevention Discounts such as:

  • Unfinished Basement
  • Alarmed Sump Pump & Backwater Valve
  • Age of Hot Water Tank
  • Tankless Water Heater
  • Automatic Water Main Shutoff Valve

We understand that sometimes your property doesn’t quite fit into the traditional dwelling categories. This is why we have multiple insurance options available to suit your specific needs. Policy limits can also be increased to meet coverage requirements, if the package coverage limit it insufficient. See below for other package coverages we offer.

Outbuildings

Additional Living Expense

Personal Property

Personal Liability

Boarder

In-Law Suites

Secondary Homeowners

This package of insurance coverage is identical to a Homeowners, except that the dwelling is owned by one family member and occupied by another immediate family member.

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