Dwelling Fire: Landlord and Rental Home Insurance
Coverage Options
We have programs for your tenant-occupied dwelling, other structures and furnishings. Additionally, we offer a landlord package that includes coverage for personal property, loss of rents and landlord liability.
Broad Eligibility
We sell landlord and rental insurance policies. The following types of properties are eligible through our carriers:
- Single Family dwellings
- Multiple location landlord properties
- Duplexes, triplexes and quads
- Condos Rented to Others
- Converted Victorians & Row homes
- Properties with up to four living units
- Vacation Rental homes
- Properties under renovation (Course of construction)
- Vacant homes
Property Coverage
A Dwelling Fire policy provides property coverage in the event of a loss. Property insurance covers physical loss to your property. While no insurance policy covers everything, your policy should cover a wide range of possible damages or causes of loss. These policies provides coverage on a comprehensive or named peril basis, including coverage for:
- Fire
- Explosion
- Lightning
- Windstorm*
- Hail damage*
Optional Coverages
Dwelling Fire policy also includes important optional coverage such as:
- Replacement cost coverage on the home
- Liability coverage
- Coverage for vandalism
- Loss of rents
- Landlord Personal Liability Coverage
Coverage for Condos Rented to Others
Renting out your condominium presents a special exposure in which you must make sure that your policy is offering the standard condo insurance coverage for your property along with protecting your exposure as a landlord.
Coverage for Vacation Rental Properties
Vacation Rental is defined as a dwelling which is non-owner-occupied and rented to others for temporary habitational or vacation purposes, not to exceed five consecutive months by one tenant.
Coverage for Vacant Property
If you purchase a home to renovate and rent out, or if you’re between tenants and the home is temporarily vacant, we have coverage for vacant properties . Our carriers offer up to two years of coverage for vacant properties, and your policy can be cancelled at any time with a pro-rated premium return (subject to minimum earned premium).
