Dwelling Fire Insurance

What Is Dwelling Fire Insurance?

Dwelling fire insurance provides basic property coverage for homes you don't live in as your primary residence. It's designed for landlords, investment properties, and vacant homes. This policy type offers more limited coverage than homeowners or landlord policies but at a more affordable price point.

Why You Need Dwelling Fire Insurance

• More affordable than comprehensive landlord policies
• Protects vacant properties during renovations or between tenants
• Covers the structure from fire and other specified perils
• Available for properties that don't qualify for standard policies
• Meets basic lender requirements for investment properties

Common Coverages

Dwelling coverage protects the structure from fire, lightning, windstorm, hail, and other named perils. Other structures coverage protects detached garages and sheds. Limited liability coverage may be available as an endorsement. Fair rental value coverage compensates for lost rent if the property becomes uninhabitable due to covered damage. Policies typically offer basic, broad, or special form coverage with increasing levels of protection.

How Is This Different From Landlord Insurance?

Dwelling fire policies offer more limited coverage than landlord policies. They typically don't include theft coverage, provide limited liability protection, and don't cover tenant-caused damage as comprehensively. They're best for basic protection or properties that don't qualify for standard policies.