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Garden Path

1-4 Family Dwelling

1 to 4 family dwellings owned by individual or corporate investors for rental purposes and leased on an annual or seasonal basis can get a quick quote. Our broad eligibility includes new purchases, risks with no prior insurance, as well as investors with larger schedules of properties.

Ineligible 1-4 Family Dwelling

Please note we cannot offer coverage to the following:

  • Risks that permit or use wood stoves, space heaters or temporary heating devices

  • Risks located in protection classes 9-10 are not eligible for property

  • Rooming or boarding houses

  • Risks with any swimming pools on premises

  • Risks with student or subsidized residents

  • Property coverage for mobile homes

  • Risks located in AK, LA or WV

  • Property coverage in FL (unavailable with this product)


Coverage Available for 1-4 Family Dwelling

  • General liability coverage is available up to $1,000,000/$2,000,000

  • Property coverage is available up to $1,000,000 total insured value and up to $500,000 excluding wind and hail

  • Commercial umbrella is available up to $5,000,000

Optional Coverage for 1-4 Family Dwelling

  • Hired and non-owned auto liability is available except in AZ, GA, IL, MS, or VT)

  • Equipment breakdown coverage is available

Claim Example for 1-4 Family Dwelling

Property: A fire began at the insured’s premises, due to one of the tenants falling asleep with a lit cigarette. The fire resulted in $44,800 in building damage. In order to repair the damage, the apartment had to be evacuated for 2 months, which resulted in $2,000 in the loss of rental income for the insured.

General Liability: A Tenant tripped and fell while walking down the hallway stairs. The tenant sustained a broken wrist and $2,500 in medical expenses. A fire at the insured’s building spread to other row homes on the same street, destroying one home and causing smoke damage to another. The fire resulted in 3rd party property damage loss of $90,000.

Equipment Breakdown: The hot water heater ruptured from over usage, causing the apartment to be evacuated for 2 days until repairs could be made. An equipment breakdown claim was made.

You must be an appointed USASIA Insurance Services retailer to use these programs. Quotes obtained via these programs will only be bound IF you are a previously appointed retailer with USASIA. PRIOR TO BINDING, check with your branch to determine any and all applicable taxes and fees. If you need additional pricing considerations on any web quote received via these programs or if your submission is declined, please call your USASIA representative.

On Fire
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