Dwelling Fire Policies For Rentals Or Vacant Homes

If you own a rental property or a home that is not owner occupied, a dwelling policy like DP-3 may be the right match. It focuses on the structure and may include liability, while personal property coverage is usually limited to items you provide, such as appliances. Coverage for vacancy can be restrictive, so tell the insurer if the home will be empty for extended periods. This option helps landlords align coverage with how the property is used.