Dwelling Fire
The Essentials
A Dwelling Fire (DP-1) policy is more than just fire insurance. It is a “named peril” insurance policy, which means it only covers losses resulting from a peril listed in the policy. If damage is caused by an event not listed in the policy, then the policy does not cover repair or replacement.
DP-1 covers the home and structures like a detached garage or shed up to 10% of dwelling coverage for specific perils:
- Fire or lightning
- Explosion
- Windstorm or hail
- Riot or civil commotion
- Vehicles owned by others
- Smoke
- Volcanic eruption
- Aircraft
Actual Cash Value for Total Losses. If the home or other structures are destroyed or damaged due to a covered loss, we will pay the actual cash value for the loss.
Fire Department Service Charge. If the fire department comes to your home, you may be billed for the trip. Our policy pays up to $500.
Reasonable Repair. If you need to make immediate repairs to prevent additional damage, like covering a roof with a tarp after a storm, we reimburse reasonable repair expenses.