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