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Dwelling Fire/Landlord Insurance

A dwelling fire policy is a specialized insurance product that provides essential protection for residential buildings against fire and other specified risks, making it a suitable choice for landlords and owners of non-owner-occupied properties.

  • Coverage Focus – The primary purpose of a dwelling fire policy is to provide coverage for the physical structure of a home or residential building in the event of a fire. It may also cover other perils such as lightning, windstorm, hail, explosion, and vandalism, depending on the policy terms.
  • Property Types –This type of policy is often used for properties that are not owner-occupied, such as rental properties, vacation homes, or investment properties. It is ideal for landlords who want to protect their investment without covering the personal belongings of tenants.
  • Limited Coverage –Unlike homeowner’s insurance, dwelling fire policies typically do not cover personal property inside the home, liability, or loss of use. However, some policies may offer optional endorsements to add these coverages.
  • Customization –Policyholders can often customize their dwelling fire policy to include additional coverages, such as extended replacement cost, ordinance or law coverage, and other specific risks relevant to the property’s location or use.
  • Cost-Effective – Because it offers more limited coverage compared to a full homeowner’s policy, a dwelling fire policy can be a more cost-effective option for property owners who need basic protection for the structure itself.

How to Get Dwelling Fire/Landlord Insurance

If your business needs commercial auto insurance, we’re here to help. Contact Rosenzweig Insurance Agency today for a quote or to discuss your commercial auto insurance needs.

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Disclaimer: No information transmitted via this medium will be deemed to have been received and processed unless you receive written confirmation directly from our agency. We cannot bind coverage or make any changes to existing policies through e-mail or our website. We cannot guarantee the accuracy of any information obtained through our website. We cannot guarantee confidentiality with any information transmitted to us. Not all coverage may be available.