Dwelling Fire
(DP3)
Our dwelling fire policy offers more limited coverage than a traditional homeowner policy and is suitable for non-owner-occupied or rental properties.
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A dwelling fire policy provides coverage for damage or loss to a home and its contents caused by specific perils, such as fire, lightning, or smoke.
Unlike comprehensive homeowners insurance, it typically offers more limited coverage than a traditional homeowner policy and is suitable for non-owner-occupied or rental properties. The policy may include dwelling coverage for the structure, personal property coverage, and liability protection specifically selected by the policy purchaser. It’s always important to review policy terms and exclusions for an understanding of the extent of coverage.
Loss of rental income you might experience if your rental property is uninhabitable at fair rental value.
Property Damage coverage protects against damage to your home and many permanent structures on your property. This includes damage from fire, smoke, wind, falling trees, hail, and theft.
Absolutely, Lilypad “Lotus” and “Lotus Plus” package endorsements offer the most commonly selected endorsements at a savings.
Several factors including property location, size, and age can influence your insurance rates. Our agents can provide detailed information, specific to your individual home.
Liability coverage for injuries to guests.
Is usually a stated value and covers injuries to guests visiting your home.
Coverage for theft of personal property you own that is kept at the insured dwelling.
Coverage to upgrade your roof to a Fortified RoofTM, that’s an Insurance Institute for Business & Home Safety (IBHS) definition, and it’s only if we determine that the entire roof needs to be replaced due to a covered loss.
Coverage for increased costs of reconstruction, repair and demolition of property based on the local laws or ordinances governing those items. It’s usually stated as a maximum percentage of the Coverage A limit.
Increased coverage for covered loss assessments, you might be familiar with these if you live in a condo.
Coverage for loss resulting from water backing up through sewers or drains or overflowing from the sump.
Coverage for specified other structures.
Provides replacement cost rather than the actual cash value (which include depreciation).
Liability coverage for personal injury to others for offenses such as false arrest, detention or imprisonment, libel, slander, defamation of character, invasion of privacy, and wrongful eviction or wrongful entry.
Coverage can be purchased for various specific types of property (antiques, art, jewelry, silverware, stamps, etc.).