Products and services


Multi-Family Dwellings Insurance

One Stop Insurance your  local service provider 



If you own a multi-family house (2-4 family home), then different insurance policies are used depending upon whether you actually live in the house or you do not. It’s important to get it right.
If you live in a multi-family home, you can usually have the tried and true homeowners policy, know as an HO-3. This is no different from a single family home, and is usually the most economical approach. Use it if you can. You can often use this approach if you're a full time resident.
However, if you’re an owner of a multi-family home and rent out units and live elsewhere, then a different policy us used, called a Dwelling & Fire Policy. The most common (and best) version is called a DP-3.
The DP-3 will cover losses to the home’s structure on an “open perils” policy, loss of use or rental coverage, and can include personal liability. It’s very good coverage. But it costs more than an owner-occupied house, because the owner isn’t there to keep an eye on things!
Never try to squeeze an HO-3 on a property if you live elsewhere; that gives the insurance company basis for denying a claim (This is considered a material misrepresentation of facts). Thus, most rental properties that are not owner-occupied must be insured under a DP-3.
Use an agency that represents multiple insurance companies as One Stop Insurance Agency does. Different companies have different appetites and "sweet spots', just as different building owners have different kinds of buildings. Getting the right fit so you can sleep at night knowing you've got the right protection at an always competitive price for all your investment properties.
Call us Today!! 203-724-9853


Our Process by Steps

1. Fill out contact form and have a no-obligation discussion about your objectives and goals.
3. Make a Free Appointment with a Licensed agent. 
3. Ongoing support: phone / your location / email / etc. whatever is convenient for you.

Why One Stop Insurance

We partner with many major carrier in the insurance market.
It allows us to have the freedom and offer you the lowest possible quote available.
We are truly independent.
Our principle of conducting business is to remain independent and recommend the best product to our clients.
We find the BEST policy for you, regardless of the name of the company.
We research major disability carrier available based on an individual's location, occupation and goals.




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    One Stop Insurance Agency is an independent agent serving Fairfield County, CT, Westchester County and Rockland County.

    Attention: None of the information on this site is or should be considered legal advice. You should contact a lawyer for any legal questions.


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