Dwelling Fire Insurance

Despite this policy’s name, dwelling fire insurance may also provide coverage for other perils as noted below. Dwelling coverage can be obtained for up to four dwellings in a single building, as long as the owner occupies one of the units. As the name implies, dwelling fire insurance covers only the dwelling—not any detached outbuildings such as garages, sheds or boathouses.

Advantages to having a dwelling fire insurance policy include:

• Saving money on homeowner’s insurance
• Covering up to four dwellings
• Providing coverage for seasonal properties at a much lower price than traditional homeowner’s insurance policies
• Insuring your tenants