Dwelling Fire Personal

Dwelling fire is intended to provide coverage for dwellings you own and rent to others on a long-term basis.

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Customer

Anyone who owns residential houses they rent to others on a long-term basis.

Coverage

Structure
Loss of use or rental income
Personal liability
Contents of owner but not of tenant

Cost Factors

Age of dwelling
Type of construction
Replacement Cost or Market Value of dwelling
Fire protection afforded this location
Claim history

Claim Examples

The building burns down
A visitor to the property trips on the steps
You evict your tenant and are sued
Personal property you keep on premises is stolen

This policy is similar to a homeowner’s policy in that it provides coverage for the dwelling, and liability. Dwelling fire is intended to provide coverage for dwellings you own and rent to others on a long-term basis.

Make sure your policy has guaranteed replacement cost for your building.