Dwelling Fire
Reliable protection for the homes you own, whether you vacation in them or rent them out.
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What's covered. And everything else.
Covered
- The structure of your home
- Other structures on your property, like a garage or shed
- Your personal belongings (when selected by endorsement)
- Additional living expenses if you cannot live in your home due to a covered loss or repairs
- Fair Rental Value (loss of rent) when a covered loss makes the premises unfit to live in
Not covered
- Flood damage (requires separate flood insurance)
- Earthquake damage unless added by endorsement (including other earth movement such as landslide, subsidence, sinkhole)
- Normal wear and tear or maintenance-related issues
- Damage from pests (termites, rodents, etc.)
- Intentional damage or neglect
- Certain high-value items without scheduled coverage
- Water or water-borne material that backs up through sewers or drains or overflows/discharges from a sump or related equipment, unless added by endorsement
- Theft of property not part of a covered building or structure; theft in or to a dwelling or structure under construction
And answers.
Common questions. And answers.
What does a Dwelling Fire policy cover?
A Dwelling Fire policy helps protect your property from damage caused by common hazards like fire, smoke, and lightning. It also covers storms like wind or hail, unexpected explosions, and vandalism. This coverage gives you the support you need to repair and rebuild, helping keep your investment safe and secure.
How is Dwelling Fire different from Homeowners Insurance?
Dwelling Fire insurance focuses mainly on protecting the structure of your home and other buildings on your property. It’s a great option for rental or vacation homes but usually doesn’t cover personal belongings or liability. Homeowners insurance goes a step further by covering your home, your belongings, liability protection, and extra living expenses. Simply put, Dwelling Fire covers the building itself, while Homeowners insurance offers broader protection for you and your family.
Can I add extra coverage or endorsements to my Dwelling Fire policy?
Yes! Our Dwelling Fire policies allow you to add extra coverage or endorsements to better protect your property and belongings. These options can include personal property coverage, loss assessment, equipment breakdown, limited theft, and more. Endorsement availability and terms vary by state and program.
Does Dwelling Fire Insurance cover rental income loss?
Yes! Many of our Dwelling Fire policies offer optional coverage to help replace the rent you’d lose if your rental property becomes unlivable due to a covered event like a fire or storm. Since coverage options can vary by state, check with your insurance agent to see what’s available for your property.
How much coverage do I need for my rental or secondary home?
The right amount of coverage depends on how much it would cost to rebuild your home. It’s a good idea to make sure your policy covers the full replacement cost so you’re not left with unexpected expenses. Don’t forget to include any other buildings on your property, like garages or sheds. If you’re unsure, your insurance agent is here to help.
Available Discounts:
- Windstorm / Loss Mitigation
- Protective Device
- Accredited Builder / Construction Quality
- Secured Community / Building
- And more…
Discounts vary by state and program and may be subject to underwriting eligibility and filings.
Important: Coverage availability, terms, limits, and exclusions vary by state and program. The policy governs; this website is a high-level summary and does not modify or replace the policy.