Dwelling Fire Insurance
Coverage available for single-family homes & buildings up to 4 units
Type of Homes

While dwelling fire insurance usually covers more than just fire and smoke damage, it's often restricted to claims relating to the physical structure of the home. This type of policy may also be required for homeowners who rent out their property.  

Get quick quotes for dwelling fire insurance anywhere in the contiguous US:

  • Max TIV: Unlimited
  • Instant quotes for TIV under $3 million
  • Average 1-3 day quote turnaround for TIV of $3M – $25M
  • Average 3-7 day quote turnaround for TIV over $25M.

See more Personal Lines Solutions.

Coverage Highlights

Coverage availble for:

  • Secondary homes
  • Seasonal homes
  • Long-term rental
  • Short-term rental
  • Homes offered on AirBnB and other web-marketed rentals
  • Liability
  • Swimming pool liability 

See more Personal Lines Solutions.

Eligibility Attributes

Desirable Risk Profile

  • Homes updated within the past 15 years
  • Central burglar and central fire alarms
  • 150 feet of brush clearance minimum
  • No loss history
  • Homes in the name of a corporation, LLC, or trust
  • Coverage availble for: 
    • Secondary homes
    • Seasonal homes
    • Long-term rental
    • Short-term rental
    • Homes offered on AirBnB and other web-marketed rentals

Undesirable Risk Profile

  • Vacant properties, Course of Construction/Builder’s Risk
  • Homes with any single loss greater than $50,000 or any current open losses
  • Homes that have not been updated in the past 30 years (including roof, plumbing, wiring, heating)
  • Commercial farming operations
  • Business conducted on premises
  • Fixed burglar bars (quick-release acceptable)

See more Personal Lines Solutions.

Register Now
Already Registered? Login to quote
Register Now
Already Registered? Login to quote