Dwelling Fire
What's included
What It Covers
Dwelling
Helps pay to repair or rebuild the structure after a covered loss. Depending on the policy form, covered causes may range from fire and lightning to a broader list of perils.
Other structures
Can cover detached structures on the property, such as a garage, shed or fence.
Fair rental value
Can help replace lost rental income if a covered loss makes the property unfit to rent while it is being repaired.
Landlord's personal property
May cover items you own and keep at the property for tenants' use or maintenance, like appliances or lawn equipment.
Choice of policy forms
Policies typically come in basic, broad or special forms, so coverage can be matched to the property and your budget.
Replacement or actual cash value
Depending on the form and carrier, losses may be settled at replacement cost or actual cash value.
Who Needs It
- Landlords who rent out a single-family home or a small multi-family building.
- Owners of a vacation or seasonal home that is not their primary residence.
- Owners of a home that is vacant, for sale or between tenants.
- Owners of properties that may not qualify for a standard homeowners policy.
Optional Coverages
- Premises liabilityLiability is often not included in a dwelling fire policy, but it can usually be added to help protect you if someone is injured on the property.
- Vandalism and malicious mischiefCan be added to some basic forms to help cover intentional damage to the property.
- Theft coverageCan help cover theft of property you own at the location, which may be limited or excluded in some forms.
- Flood insuranceFlood damage is usually not included and is bought separately, through the National Flood Insurance Program (NFIP) or a private carrier.
Working with us
How We Help
- 1
Tell Us What You Need
Share a few details about you, your property or your business. It only takes a few minutes, online or by phone.
- 2
We Shop the Market
As an independent brokerage, we compare options from multiple top-rated carriers to find the right fit.
- 3
Review and Get Covered
We walk you through your options in plain language, answer your questions and help you choose with confidence.
Frequently asked questions
Common Questions
Why can't I use a homeowners policy for my rental property?
Homeowners policies are generally designed for homes the owner lives in. When a home is rented to others or left unoccupied, the risks are different, so carriers typically require a dwelling fire or landlord policy instead.
Does a dwelling fire policy cover my tenant's belongings?
No. It covers your building and, in some cases, property you own at the location. Tenants usually need their own renters insurance to protect their belongings and liability.
Is liability included?
Often it is not included automatically. Premises liability can usually be added to the policy, and some owners also pair it with an umbrella policy for higher limits.
Which policy form do I need?
It depends on the property's age, condition, occupancy and how much protection you want. Basic forms cover fewer perils, while broader forms cover more. Our agents can help you compare forms and options from multiple carriers.
Ready to Get Started?
Get a personalized Dwelling Fire quote or speak with one of our experienced agents.