Dwelling Fire Insurance

Dwelling fire insurance is a named perils insurance policy that provides protection from damage caused by this specific hazard.

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Dwelling Fire Insurance

Dwelling fire insurance is a named perils insurance policy that provides protection from damage caused by this specific hazard.

Request A Quote

What is 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

What Is Covered By Dwelling Fire Insurance?

Named perils that may be included in dwelling fire insurance:

Burglary
Vandalism
Lightning
Collisions with vehicles or aircraft
Electrical malfunction
Broken pipes

Frozen pipes
Injury on or off property
Damage to property or other’s property
Gas leak explosions
Riots

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Our experienced insurance specialists are here to help you determine the best policies for your needs. We’ll help you determine replacement values and work with you to help you decide what additional products may be right for you. Request a dwelling fire insurance quote today, or contact us for more information.

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Frequently Asked Questions About Dwelling Fire Insurance in South Carolina

What is dwelling fire insurance?

Dwelling fire insurance is a named-perils policy that provides coverage for specific risks listed in the policy, including fire and other common hazards. It is often used for rental properties, seasonal homes, or dwellings that do not qualify for a standard homeowners policy.

How is dwelling fire insurance different from homeowners insurance?

Unlike homeowners insurance, dwelling fire insurance:

Covers only the dwelling structure
Does not automatically include personal belongings
Is based on named perils rather than open-peril coverage
Is typically more affordable

Homeowners insurance is broader, while dwelling fire insurance is more flexible for non-owner-occupied or seasonal properties.

What types of properties are eligible for dwelling fire insurance?

Dwelling fire insurance is commonly used for:

Rental homes
Seasonal or vacation properties
Properties with up to four units (as long as the owner occupies one)
Older homes that may not qualify for traditional homeowners coverage

What does dwelling fire insurance cover?

Coverage is limited to named perils, which may include:

Fire and lightning
Burglary and vandalism
Explosions and gas leaks
Vehicle or aircraft collisions
Electrical malfunctions
Broken or frozen pipes
Riots
Liability for injury on or off the property
Damage to others’ property

Only the perils listed in the policy are covered.

Does dwelling fire insurance cover detached structures?

No. Dwelling fire insurance typically covers only the main dwelling and does not include detached structures such as garages, sheds, or boathouses unless additional coverage is added.

Does dwelling fire insurance cover tenants?

Yes. Dwelling fire insurance can provide liability coverage related to tenant injuries and may protect the property owner if a tenant causes covered damage to the dwelling.

Can dwelling fire insurance be used for rental properties?

Yes. This policy is commonly used for rental properties because it offers structural and liability coverage at a lower cost than a traditional homeowners policy.

Does dwelling fire insurance cover personal property?

No. Personal belongings are not automatically covered. Tenants should carry renters insurance, and property owners may need additional endorsements if coverage for contents is desired.

Is dwelling fire insurance cheaper than homeowners insurance?

Often, yes. Because coverage is more limited and based on named perils, dwelling fire insurance typically costs less than homeowners insurance, especially for seasonal or rental properties.

Does dwelling fire insurance include flood coverage?

No. Flood damage is excluded. A separate flood insurance policy is required for protection against flooding in South Carolina.

How much dwelling fire insurance coverage do I need?

Coverage should reflect the replacement cost of the dwelling—not its market value. An insurance specialist can help determine appropriate limits based on construction, location, and risk factors.

How do I get a dwelling fire insurance quote in South Carolina?

You can request a quote through KSA Insurance by providing details about the property, its use, and desired coverage limits. An agent can help customize a policy that fits your needs and budget.

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