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Dwelling fire insurance … What is it, and when do you need it?

March 28, 2023 Dwelling fire

What is dwelling fire insurance, anyway?

Dwelling fire coverage, an indispensable shield at an affordable cost, is available for a variety of occupancy types, including rental, seasonal/secondary, and vacant homes, short-term/vacation rentals, non-owner occupied abodes and owner-occupied homes. Many people refer to this type of policy as “landlord insurance.”

What does dwelling fire insurance cover?

The basic policy may cover much or all of the dwelling, such structural components like walls, roof, flooring, cabinetry, countertops and permanent fixtures. Additional coverage options to consider are premises liability, medical payments to others, loss of use/loss of rent, vandalism/malicious mischief, theft/burglary and more. An added bonus is that the title of the home may be held in the name of an individual, corporation, or LLC.

Dwelling fire insurance at a glance:

A dwelling fire policy provides essential coverage at an affordable rate for:

  • Rental homes
  • Short-term/vacation rental homes
  • Non-owner occupied homes
  • Seasonal/secondary homes
  • Vacant homes
  • Owner-occupied homes*

Dwelling fire insurance options

Additional coverage options to consider:

  • Additional structures
  • Personal property
  • Loss of use/loss of rent
  • Premises liability
  • Medical payments to others
  • Vandalism/malicious mischief
  • Theft/burglary

Armed Forces Insurance: your trusted dwelling fire insurance advisor

Armed Forces Insurance has been a trusted advisor to American armed forces service members for more than 135 years. We’re not a giant corporate skyscraper full of slick insurance executives. We’re a small company headquartered just down the road from Fort Leavenworth in Kansas. We know each other, and our customers know us. If you’re looking for a someone you can trust to shoot you straight and help you protect your home and property, check out our dwelling fire page.

Learn more about dwelling fire insurance:

A Consumer’s Guide to Home Insurance (National Association of Insurance Commissioners)

Homeowners Insurance Basics (Insurance Information Institute)

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Why cheaper is not better for military home insurance:
  • Cheaper policies often come with limited coverage and lower limits for certain coverage types.
  • Cheaper policies might not provide adequate protection against common hazards faced by military families.
  • The quality of customer service trends lower with cheaper policies.
  • Military families often have unique needs when it comes to home insurance, and cheaper policies might not provide adequate coverage for these specific needs.
  • Cheaper policies might not provide adequate financial protection in the event of a loss.