Dwelling, liability, and contents
HO-3 and HO-5 policies for owner-occupied homes, written on filed forms and rated on the same engine that runs every other line on Sure. Partner brands distribute. Sure does the rest.
- Dwelling (A)$450,000
- Other structures (B)$45,000
- Personal property (C)$225,000
- Personal liability (E)$300,000
- AOP deductible$1,000
- Water backup$10,000
- Service line$10,000
- Equipment breakdown$50,000
Homeowners, filed fornationwide distribution nationwide distribution
Every form number, every version, every state. Regulator approved.
States with a live, filed homeowners program on the Sure platform today. Remaining jurisdictions are in filing.
What a Sure homeowners policy actually covers
Standard limits shown below. Every line is configurable at the program level. Raise a limit, change a deductible, add a rider, and Sure re-rates and refiles.
Dwelling and liability, HO-3
Core- Dwelling (Coverage A)Replacement cost$450k
- Other structures (B)Fence, shed, detached garage$45k
- Personal property (C)Contents$225k
- Loss of use (D)Temporary housing$90k
- Personal liability (E)Per occurrence$300k
- Medical payments (F)To others, per person$5k
Endorsements and supplements
Optional- Water backupSewer, drain, sump$10k
- Service lineUnderground utilities$10k
- Equipment breakdownHVAC, appliances$50k
- Wildfire defensePre-emptive treatmentCA, OR, CO
- Ordinance or lawBuilding code upgrades10% of A
- Scheduled jewelryAgreed value, no deductibleRider
Coverages, rates, and limits vary by state.
What the policyholder lives in
Binding the policy is the easy part. Renewals, mortgage refis, and mid-term endorsements are where most homeowners programs unravel. On Sure, the partner's app stays in the loop from first payment through every coverage change.
Self-service that your team doesn'thave to staff have to staff
Homeowners file claims, request mortgagee letters, and adjust coverage limits inside the partner's app. Claims AI triages losses in the background, and the partner sees status without owning the queue.
- First-notice-of-loss in two taps, routed straight to Claims AI
- Mortgagee letters and evidence of insurance generated in-app
- Mid-term endorsements without rebuilding the quote
- Service handoffs to live agents stay inside the partner's brand
Active- Download policy documentsDeclarations, mortgagee letters, endorsements
- Update policyAddress, mortgagee, coverage limits
- View payment detailsEscrow, card on file, billing history
- Request a home inspectionSchedule a walk-through with the in-network team
Launch a homeowners program, filedand writing in weeks and writing in weeks
Learn more about how your homeowners program can go live in weeks, not months. Built for brands and carriers ready to ship.