Dwelling Fire Products

Our dwelling products are designed for tenant, vacant, secondary, and owner occupied residences. The TDP is a form to meet the needs of most. Dwelling fire forms include the basic TDP-1 to the flexible coverage of the TDP-2, to the broad coverage of a TDP-3.


Colonial Lloyds offers a TDP-1 that can be written with replacement cost on all occupancies except vacant. Colonial Lloyds writes vacant dwellings on a TDP-1 form. These are written on a 1 year term and can be cancelled mid term. Colonial Lloyds also offers several credits and a "Preferred" program that includes additional discounts. For complete underwriting guidelines, click here.

Certain Underwriters @ Lloyd’s (Lloyd’s) offers all forms (TDP-1, 2, & 3). Lloyd’s writes tenant, secondary, and owner occupied residences up to $300,000 TDP forms. VMM is available on homes without a lapse in coverage more than 30 days and premises liability up to $300,000. Accidental discharge of water and replacement cost is offered on a TDP-2 and included on a TDP-3 form. You may schedule up to 5 homes on one policy. For complete underwriting guidelines, click here.

Voyager Indemnity offers all forms (TDP-1, 2, & 3). Voyager also writes 3-plex and 4-plex properties, including vacant dwellings. Vacant dwellings can be written with up to $100,000 liability. Risks written with Voyager that include replacement cost must be insured to 100% of the replacement cost value. Policy limits on accidental discharge of water is available on a TDP-2 and TDP-3 form. Voyager also allows up to 5 homes scheduled on one policy. For complete underwriting guidelines, click here.

Republic Lloyds is an "A" rated admitted carrier in Texas that is reinsured by Aegis Security offering only a competitive TDP-1 form. The occupancy must be tenant, seasonal, or owner occupied. All risks must be insured to 100% of market value excluding the land value. Schedules are available up to 5 properties on one policy. For complete underwriting guidelines, click here.