These policies do not provide comprehensive coverage like a homeowners’ policy, but they may be right for you if you have fewer needs or if you rent your property out. The dwelling fire policy does not include liability or medical coverage, but these can be added by a separate rider.
Dwelling Protection covers the dwelling on the residence premises, which could be rented as well.
provides protection for other structures on the residence premises set apart by clear space. Sometimes a garage or barn. Coverage is specified in the policy to a certain amount.
covers personal property on the premises owned or used by the insured. Renters would need a separate renters policy.
Loss of Use: These provides funds for your additional living expense if your home becomes uninhabitable due to a covered loss. Payment is limited as defined in the policy. For rental dwellings, this becomes Fair Rental Value Coverage.
provides protection for accidental bodily injury and property damage to a third party for which the insured is legally liable. Choose between personal (owner occupied) or landlord's liability coverage as a separate endorsement.
coverage is an additional endorsement for owner occupied dwellings, since this coverage is excluded on an
unendorsed dwelling fire policy.