Adaptable policy forms to help address risks for non-primary residences.
Coverage for properties you don’t occupy.
Explore Dwelling Fire Insurance options that may fit your property’s needs.
A Dwelling Fire (DF) policy is designed for residential properties that are not owner-occupied—such as rental homes, investment properties, or seasonal vacation homes. These properties can face risks that differ from primary residences, and a DF policy offers a way to address those exposures. With variations ranging from basic hazard protection to broader structural coverage, this type of policy focuses on the dwelling itself and can be selected based on the property’s situation.
What risks can a Dwelling Fire policy address?
Events such as fire, certain weather-related damage, or vandalism can create unexpected repair costs. A Dwelling Fire policy is structured to offer coverage for the listed or eligible perils outlined within the policy form. Personal belongings and liability are not automatically included, though optional coverages may be available depending on the carrier and the property’s needs. Reviewing these options helps ensure the policy aligns with how the home is used.
Understanding the forms of DF coverage.
Dwelling Fire policies are available in different forms, each providing a specific level of protection based on covered perils:
- DP-1 (Basic Form): Typically includes coverage for named perils such as fire, lightning, and internal explosion.
- DP-2 (Broad Form): Generally adds additional named perils, including windstorm, hail, vandalism, falling objects, burglary damage, and certain types of ice or water-related issues.
- DP-3 (Special Form): Often provides open-peril coverage for the structure, applying to all risks not specifically excluded in the policy.
Each form offers different considerations. Reviewing the details, limits, and exclusions helps determine which option may be appropriate for the property’s characteristics and occupancy.
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