Dwelling Fire
Specific Coverage for Specific Events
Comprehensive homeowners coverage might be more than you need. That’s why we offer dwelling insurance. It’s perfect for temporarily vacant dwellings – any home that does not need full coverage.
Our dwelling policies protect both manufactured homes and site-built homes.
Dwelling Fire Policies Differ From Homeowners Policies:
| Dwelling Fire Policy (DP-1) | Homeowners Policy (HO-3) |
|---|---|
| Protects only against named perils (for example: fire, hail, lightning). | Protects against almost anything that can cause damage or loss, unless specifically excluded. |
| Settles claims at actual cash value or repair cost. | Settles claims at actual cash value or replacement cost. |
| Coverage to contents of home is optional. | Coverage to contents of home is included. |
| Liability protection is optional. | Liability protection is included. |
In some states we also offer DP-3 and specialty homeowners coverage. Your agent will let you know what is available in your area and will recommend the best fit for your particular circumstances.
Take a few minutes to read about the program highlights of our dwelling policies.