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A Practical Policy for Imperfect Homes

Some homes don’t fit neatly into traditional underwriting boxes. Older structures, deferred maintenance, rural locations, lapses in coverage, or other unique risk factors can make securing insurance feel impossible. Concorde’s Just the Basics Dwelling product steps in with straightforward, essential protection designed specifically for homes that need coverage without underwriting complexity.

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Basic Coverage, Real Protection

Some homes simply need a policy that focuses on what matters most: core protection against major losses. That’s where Just the Basics Dwelling stands out.
 
This product is intentionally streamlined. It’s designed for properties with maintenance needs, coverage lapses, rural locations or other underwriting hurdles that make traditional coverage difficult. Instead of requiring underwriting exceptions or every issue to be resolved upfront, it provides essential coverage that helps homeowners stay protected while they work toward improvements. Or, if needed, it can be a long-term coverage solution.

 

Why Agents Choose Just the Basics

Agents know the frustration of trying to place a home that doesn’t meet standard guidelines. Just the Basics Dwelling provides a simple, dependable alternative:

  • Straightforward Online Underwriting - If you quote online, and the account is eligible, you can bind coverage on the spot. No underwriting back-and-forth.

  • After the Bind, We've Got It - We provide direct billing, and NO follow up documentation, photos or inspections are required.

  • Essential Coverages Provided - This DP1 with extended coverage policy protects against the most common causes of loss including fire, wind & hail. 

  • A Timely Option - The streamlined process is perfect for busy agents and clients who need coverage now.

  • A Path Forward - A practical solution for properties without other coverage options available.

Before asking your primary carriers for an exception, take a look at Just the Basics Dwelling. It’s a solution that keeps clients protected and keeps business moving.

 

A Reliable Option When Homes Don’t Fit the Mold

Every home has a story—and sometimes that story includes exposures that make underwriting tough. Concorde’s Just the Basics Dwelling product ensures those homes aren’t left without a safety net. With coverage built especially for challenging risks, it’s a dependable option agents and homeowners can count on.

When underwriting challenges stand in the way of securing coverage, Just the Basics Dwelling offers a practical, no‑frills option that keeps homeowners protected and helps you get coverage in place quickly.

 
 
 
 
 

Posted on September 24, 2026 at 10:26am by Concorde General Agency
Posted in Personal Lines