Not every property fits a standard homeowners policy. Dwelling fire insurance is designed for homes used seasonally, held as secondary residences, or rented to others. Backed by deep Florida underwriting experience, this coverage gives agents a more tailored way to match protection to the property, the occupancy, and the level of risk.
Dwelling Fire Insurance
Flexible property protection for non-owner occupied dwellings, shaped by Florida expertise and smarter risk assessment.
Flexible Coverage for Non-Owner Occupied Properties
Core Policy Components
Dwelling Protection
Covers the physical structure of the home against covered losses.
Other Structures
Extends protection to detached structures such as garages, sheds, and fences.
Personal Property
Provides coverage for belongings kept at the insured property, based on the policy selected.
Loss of Rents / Fair Rental Value
Helps address lost rental income when a covered loss makes the property unfit to occupy.
Optional Liability Protection
Allows policyholders to add liability coverage based on how the property is used and the protection needed.
