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Just the Basics Dwelling, a Faster & Easier DP-1

Beyond Traditional Dwellings. Beyond Basic.

Our Just the Basics Dwelling product now features exciting updates and a new quoting experience. We've streamlined the process of writing a Surplus Lines DP-1 with Extended Coverage (including Wind & Hail) so you can get in, get out and get back out there selling! Designed specifically for accounts with lapses, losses and condition challenges, you'll love that we offer online Quote, Pay, Bind functionality, direct billing and EFT payment options.  

We've also made writing Dwelling coverage faster and easier. NO photos or inspections are required!

Quote in peteRATER+ Dwelling   Download Product Guide (PDF)

Just the Basics is Anything but Basic.

Even your most difficult risks are eligible.  

Just the Basics is perfect for Dwellings, Mobile/Manufactured Homes, Log Homes and other unique construction types. Our team is ready to answer your questions on what fits! Just the Basics Dwelling makes sense when...

  • Admitted Markets are NOT an Option
  • Claims History is an Issue with Other Carriers
  • Lapses in Coverage Exist
  • Condition Issues are Present
  • Property is Undergoing Renovation
  • The Property is a Short Term Rental, AirBnB or VRBO


Just the Basics is Just Plain Different...

This product is as unique as it is simple. While our Just the Basics Dwelling Product Guide contains full details on benefits, eligibility criteria and policy servicing options, some product highlights include: 

  • Surplus Lines DP-1 + Extended Coverage (Basic Named Perils + Wind & Hail Included, ACV Loss Settlement)
  • Optional Coverages Available - Personal Property, Liability, and Theft
  • Broad Eligiblity - Dwellings & Manufactured Homes, Wide Variety of Construction Types
  • All Occupancies & Protection Classes Eligible
  • No Waiting! Online Quote, Pay & Bind with No Underwriter Referral
  • No Photos or Inspections! No Follow Up Documentation Required on Accounts Bound Online
  • No Proof of Prior Coverage Necessary! Lapses are OK
  • No Painting! Condition Issues Accepted
  • No Chasing Payments! Direct Billing for All Accounts with EFT Payment Options Available
  • Automatic Renewals! One & done experience for agents and policyholders.
  • Valuable Integrations - Our system provides Google location search and mapping, as well as Hazard Hub property data integrations to increase the speed and accuracy of submissions.
This product does not compete with admitted markets. Agent will need to have 3 declines to comply with surplus lines guidelines for their state. 

The Process... From Quote to Bind!

  1. Quote online in peteRATER+
  2. Make a Payment online in peteRATER+ to issue the policy.
  3. Applications and Affidavits are loaded immediately into the quote's documents folder in peteRATER+ after payment is applied. Send signed forms to: submissions@cgains.com
  4. Policy Declarations are mailed to the insured and emailed to the agency in about 1-2 business days.



We're here to help! Give us a call or book a time for a personal product tour.