A.M. Best Rating: A+ XV

Just the Basics is Anything but Basic!

Quote in peteRATER+ Dwelling  Product Guide (PDF)  Product Video Tour

New Quoting Experience in peteRATER+!

We've streamlined the process of writing a Surplus Lines DP-1 with Extended Coverage so you can get in, get out and get back out there selling! Designed specifically for accounts with lapses, losses and condition challenges, this product offers online Quote, Pay, Bind, with NO Inspections or Photos required. Just the Basics is perfect for Dwellings, Mobile Homes, Log Homes and other unique construction types. Our team is ready to answer your questions on what fits! 

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.

Even your most difficult risks are eligible.  

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

Product Highlights:

  • 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 the House! 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.
This product does not compete with admitted markets. Agent will need to have 3 declines to comply with surplus lines guidelines for their state. 


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


Available in the Following States

  • Arizona
  • Colorado
  • Idaho
  • Iowa
  • Minnesota
  • Montana
  • Nebraska
  • North Dakota
  • South Dakota
  • Wisconsin
  • Wyoming