Built for the landlord, not the resident
Standard homeowners forms assume the owner lives there.
DP
DP-1 and DP-3 for landlords, tenant-occupied houses and the properties a homeowners form will not sit on.
Cennairus is a licensed wholesale insurance broker: retail agents send us the accounts their own markets cannot place, stay the agent of record, and we take each account to the markets on our panel of 145 carriers that write it. Dwelling fire, the DP-1 and DP-3 forms, is property insurance for a residence the owner does not live in: a rental house, a seasonal property between bookings, or a home a standard homeowners carrier will not keep. DP-1 lists its perils and is narrower by design. Cennairus places it for landlords and investors: we shop it.
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A few fields — we shop it across the panel and come back with real terms. No obligation.
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Standard homeowners forms assume the owner lives there.
Investors rarely stop at one door.
DP-1 where the property or the budget calls for it, DP-3 where the client wants broader protection — both come from the same submission.
Roof age, updated systems and occupancy status move price more than almost anything else — our readers pull them from the prior policy or an inspection.
Non-owner-occupied and tenant-occupied dwellings, which most homeowners markets decline outright.
Investors rarely own one property.
DP-1 where the property demands it, DP-3 where the client wants full form.
Who buys it: landlords with a single rental house or a growing portfolio; investors acquiring occupied rentals in a 1031 exchange; seasonal or vacation rentals between bookings; a house mid-renovation before it is owner-occupied; property managers placing coverage on an owner’s behalf; sellers carrying a property with a tenant’s lease still running.
A schedule of rental houses does not need to be quoted one property at a time — send the list and the whole portfolio comes back together.
DP-1 lists the specific perils it responds to and is narrower by design.
Landlord liability for injury to a tenant or visitor is typically included or available by endorsement, depending on the form and carrier.
Nothing under this policy — the landlord’s form covers the building and the landlord’s own contents.
Address, year built, roof age, square footage, occupancy status, and the prior policy or loss history if there is one.
One appointment puts the whole panel behind your agency: every line we place, the programs, the producers who work the hard accounts, and your commission settled to your.
