Desert Specialty Underwriters, Inc.
Desert Specialty Adjusters, Inc.

DWELLING FIRE

  The Dwelling Fire Program is written exclusively through certain Underwriters at Lloyds..

    This program is designed for rentals (both long and short term), seasonals, condos, renter's contents and vacant structures.

   Coverage: Either an ISO Special Form Dwelling (8/89) or a Basic Form (8/89) depending on the circumstances of the risk.  All coverages are written on an Actual Cash Value Basis for both dwelling and contents. Minimum deductible is $500.  Personal Liability up to $500,000 can be afforded.  Medical Payments is excluded in all cases.

Special Form (DP-3) - rentals, seasonals without contents, renter's contents and Condos

Basic Form (DP-1) - vacants, seasonals with contents

    MAXIMUM COMBINED VALUE (Dwelling, Contents, Appt. Structures) is $1,000,000 - Values in excess use the High Value Application.  Loss of Rents is not afforded.

    We will consider higher protection classes, alternative constructions, credit, non-renewal and experience problems.  We will also apply exclusions, limitations and surcharges depending on the circumstances of the risk.

    Producers do not have rates for this program, each submission is individually rated.  Producers have no binding authority under this program, risks can be bound once a firm quotation is issued.  Binders are normally forwarded within 24 hours of receipt of an acceptable application.

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