Dwelling Insurance For MD, NC, and VA

Overview of the Program From Agents Insurance Markets, Inc.

Agents Insurance Markets, Inc. offers a flexible Dwelling Insurance program for properties in Maryland, North Carolina, and Virginia. Designed for independent agents and brokers, this program provides both comprehensive (DP-3) and basic (DP-1) dwelling forms with competitive pricing, broad eligibility, and responsive underwriting support. Whether a property is owner-occupied, rented, seasonal, or vacant (with endorsement), this program gives you options to place a wide range of residential risks.

Ideal Accounts and Appetite

This program accepts many dwelling types and ownership arrangements, including:

• Owner-occupied, seasonal, and rental properties
• 1–4 family dwellings, including townhomes and duplexes
• Properties owned by LLCs, trusts, or estates
• Homes with replacement values up to $500,000

Good fits include vacant dwellings (with the vacancy endorsement), short-term or occasional rentals, and older homes in fair to excellent condition. For example, you might have a client who inherited a vacant beach duplex held in a trust or an investor who needs coverage for a seasonal rental property — both are typical placements under this program.

Coverage Highlights and Advantages

DP-3 Special Form

• Broad, open-peril dwelling coverage with replacement cost settlement on the building
• Eligible properties: up to four-family units, built within the last 80 years, with roofs under 20 years old and in above-average to excellent condition
• Included coverages: reasonable repairs, other structures, loss of rent, collapse, debris removal, fire department charges, water/mold coverage, improvements and alterations, landscaping, vandalism, and more
• Optional endorsements: premises liability, personal property, burglary, short-term rental, and replacement cost on personal property

DP-1 Basic Form

• Named-peril coverage with actual cash value settlement
• No age restriction; properties must be in fair or better condition
• Included coverages: reasonable repairs, other structures, loss of use, debris removal, and fire department service charge
• Optional endorsements: premises liability, personal property, burglary, vandalism & malicious mischief, and occasional rental

Underwriting Notes and Program Features

• Maximum dwelling value: $500,000
• Liability limits available up to $500,000
• Vacancy permission endorsement available for qualified risks
• Accepts Protection Classes 1–10
• Admitted availability in select states (program is admitted in some states)
• Rated A+ (Superior) by AM Best through American Modern Home Insurance Group
• Direct bill with optional payment plans and automatic renewal for eligible accounts

Territories and Availability

This dwelling program is available in Maryland, North Carolina, and Virginia. Coverage is offered on an admitted basis in selected territories — consult underwriting for state-specific availability and filing status.

Why Work With Agents Insurance Markets, Inc.?

As a Managing General Agency, Agents Insurance Markets, Inc. combines niche residential property expertise with hands-on underwriting to help independent agents place business that may be harder to place in standard markets. AIM provides access to a top-rated carrier (American Modern Home Insurance Group), flexible endorsement options, and underwriting guidance to help you structure submissions and identify the best form (DP-1 vs DP-3) for each risk. The program’s flexibility for seasonal, rental, and vacancy exposures makes it a useful solution for agents working with investors and nonstandard owner-occupied properties.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.