Personal Lines > Dwelling Fire

A dwelling fire insurance policy is purchased by a homeowner who needs protection against certain perils (losses) but does not need comprehensive homeowner’s insurance coverage. A dwelling policy covers the structure of a building. The policy is ideal for a vacant home or for homes that are rented out.

A dwelling fire policy protects the structure of a home against the “named perils” listed in an insurance policy. Despite its title, the policy covers more than just fires. Other losses covered include but are not limited to wind, hail, lightning or vandalism. Because the policy exists to protect the structure only, personal property within the home such as electronics, clothes or appliances are excluded from coverage.

 

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    This quotation for insurance is provided solely for informational purposes. The actual premium cost and coverage for this insurance is subject to further review by the insurance company and may differ from this quotation. This quotation is neither a policy of insurance or an insurance binder and does not obligate the company to enter into such insurance policy or binder.