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Vacation or Second Home

You have worked hard to have a special place to share with family and friends – maybe a lake home, a ski chalet, or beach cottage. Whether your vacation home is used as a weekend getaway, a seasonal retreat, or your rent it out it is a special place you want to protect.

Dwelling Fire Policies

If this is not your primary residence, a Dwelling Fire policy may be a great alternative to a Homeowners policy. Which covers property expenses caused by fire damage or other harmful forces. Rules vary by state, for instance in Texas, you can insure up to 2 individual family units in a single building, and up to 20 total family units across a combination of properties.

Dwelling Fire policies are designed to cover only the things you or the insurance company want to.

Dwelling Fire policies are designed to cover only the things
you or the insurance company want to.

Dwelling Fire Policies allow you to customize your policy by choosing from:

Basic DP-1 Form
Provides the flexibility to offer essential coverage for homes that are any age, any occupancy, fair or better condition, even up to four-family construction. Liability protection and many other coverages can be added as options.
Broader DP-2 Form
Insures your property for its replacement cost, which offers the full amount to replace or repair the property with new, similar items.
Broadest DP-3 Form
A DP3 policy covers the structure, loss of use or rental coverage, and usually personal liability. This might also apply if you own a home but rent out the rooms or the whole property.

Other important differences about a Dwelling Fire Policy:

Liability coverage is limited to the premises on dwelling fire policies.
Dwelling fire policies also don’t cover theft of contents.

Cover perils may include:

Wind
Lightening
Explosion
Vandalism
Fire
Hail

Comparison of 2 Type of Personel Insurance Policies

Homeowners

Primary or Secondary home.
You own it and occupy it
Covers contents in case of theft
Some riders may be available
Coverage forms include HO-3 or HO-5

Dwelling Fire Policies

Seasonal or Income home.
You own it but don’t primarily occupy it
Does Not cover contents in case of theft
Riders are not available
Coverage forms include DP-1, DP-2, DP-3

Vacation or Second Home

Dwelling Fire Policies

Dwelling Fire policies are designed to cover only the things
you or the insurance company want to.

Dwelling Fire Policies allow you to customize your policy by choosing from:

Other important differences about a Dwelling Fire Policy:

Cover perils may include:

Comparison of 2 Type of Personel Insurance Policies

Homeowners

Dwelling Fire Policies

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