Dwelling Fire Insurance
Extra Protection for Landlords & Property Owners
Dwelling Fire Insurance is designed for property owners who rent out their homes, condos, or multi-family units—or for those who own a property they don’t live in full-time. Standard homeowners policies often don’t apply in these situations, which is where Dwelling Fire Insurance steps in to protect your investment.
What We Cover
- Property Structure – Coverage for the physical building against risks like fire, smoke, lightning, vandalism, or certain weather damage.
- Landlord Liability – Protection if a tenant or guest is injured on the property and you’re found legally responsible.
- Loss of Rental Income – Reimbursement for lost rental income if your property becomes uninhabitable due to a covered loss.
- Detached Structures – Coverage for garages, sheds, or other outbuildings on your property.
- Customizable Options – Add protection for personal items you keep at the rental property, such as appliances or lawn equipment.
Who Needs This Policy?
- Landlords renting out single-family or multi-family homes
- Owners of vacation or seasonal homes
- Investors holding rental or vacant properties
Why Choose Us
- Focused Protection – Policies tailored to the unique needs of rental and non-owner-occupied properties.
- Quick, Reliable Claims – Fast support when unexpected events affect your investment.
- Honesty & Integrity – Clear explanations of what’s covered, so there are no surprises.
Compassionate Service – Guidance with care and respect, helping you make the best decision for your property.