Dwelling Fire Coverage - P&G Insurance best rates and coverage
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Dwelling Fire Coverage

Dwelling Fire Coverage

Knowing the difference between Dwelling Fire Insurance and regular Homeowners Insurance is important if you own multiple properties. It’s easy to confuse the two types of policies due to their similarities, but the differences are significant.

How Dwelling Fire Coverage Differs from Standard Plans

Typical homeowners insurance policies pay for damage to the owner’s primary home in the event of certain types of disasters. Fire protection is usually part of the coverage. Dwelling fire coverage applies to vacation homes and other properties you may own but don’t use as a regular living space. It covers properties such as cottages, cabins, and rental investments. It covers attached structures such as garages and decks as well. If you need Dwelling Fire Coverage request a free quote HERE.

When to Use Dwelling Fire Insurance

It’s essential to consider Dwelling Fire Insurance when you own multiple properties but don’t need standard Homeowners Insurance for each location. Certain locations cost more to insure with basic plans than others, depending on the neighborhood’s crime rate and the condition of the home. Here are some common reasons to choose Dwelling Fire Insurance:

  • Owner usage
    Homes that are difficult to insure due to poor conditions can benefit from Dwelling Fire Insurance as add-on coverage.
  • Second homes
    Owning a second home is common among high-income earners with families. Fire coverage is important regardless of how often it’s used, especially if your home is situated in a dry, woodsy location.
  • Investment opportunities
    A common use of Dwelling Fire Insurance is for owners of rental properties to protect themselves against damage caused by renters.
  • Vacant homes
    Houses that are unoccupied for extended periods can attract vandals and can be a fire hazard if not well maintained. These homes should be regularly inspected and covered with Dwelling Fire Insurance. Follow us on facebook for latest news and offers.

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Does Airbnb and VRBO cover house fires?

Airbnb and VRBO hosts need two types of coverage: liability coverage and property protection. The liability coverage is all that Airbnb in-house policies offer, leaving a significant gap in coverage for hosts. If the property itself is not protected, hosts risk losing everything if there is an incident such as a fire. Property protection covers more than just the structure; it covers the business property in the Airbnb, including furniture, kitchen appliances, and home goods.

Homeowners’ policies may not always be enough to cover you when you have an Airbnb. Consider Peterson & Grantham for your short-term rental property insurance coverage. Getting a comprehensive policy that covers you for common losses is important.

The best way to purchase Airbnb insurance is through a broker. It makes getting approved in any location easier and results in lower rates. Get an instant quote from us today. We are a top rated insurance solution for short-term rental hosts.

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