Program Division
Excess & Surplus
Dwelling Essentials
DP1 on actual cash value for Texas dwellings and manufactured homes, with landlord, seasonal, and vacant risk in appetite.
DP1 · ACV
Line and valuation
$400K
Coverage A ceiling
5 types
Owner, landlord, seasonal, secondary, vacant
Instant
Quote-to-issue in the portal
The paper behind the program
Insurors Indemnity Companies · Rated A- (Excellent) by AM Best
Who it fits
The niche admitted carriers avoid.
- Dwellings showing pride of ownership, including older or smaller homes needing paint or minor repairs
- Non-salvaged manufactured homes
- Landlord rentals, up to 25 on a single policy
- Seasonal and secondary residences
- Vacant homes for an initial 12-month term
- Business or corporate ownership when written for landlord rental purposes
Coverage highlights
Build the policy the risk needs.
Other structures
Optional, 10% or 20% of Coverage A
Personal property
Optional, up to 100% of Coverage A, not available if vacant
Loss of use
Optional, 10% of Coverage A
Liability
Optional, $25K to $300K
Fair rental value
Available by endorsement
Theft, VMM, glass
Optional
Metal roofs are eligible with a $3,000 sublimit. Binding pauses during active Gulf tropical disturbances and near active wildfires.
Standard across every Sycamore program
- Prior losses considered
- No credit check or prior insurance required to qualify
- Animal, pool, and trampoline liability by endorsement
- Solar panels and tiny homes eligible
- Townhomes with a firewall between units
- Instant issuance at portal.sycins.com
Sycamore products are sold through independent agents. Contact your agent for quotes and policy service.