Dwelling Fire Insurance

Protection from fire is a must for any homeowner or landlord as fires can cause catastrophic damage to structures as well as income.

Dwelling Fire coverage is offered as an add-on to most homeowners policies to help you design coverage to suit each client's unique needs. Aside from the obvious - fire damage - these policies also cover losses related to smoke damage, hail, wind and vandalism. Dwelling fire is essential for landlords, owners of property under construction or renovation and seasonal homeowners.

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Rental Property Dwelling Fire - DP1 vs DP3

For landlords, Dwelling Fire policies come in two forms - DP1 and DP3. In general, a DP1 is used for vacant property while the DP3 is used by landlords who rent property but do not live in it.