YOUR RENTALS
Dwelling fire insurance is essential for protecting your rental properties. At Rivera Insurance Agency, we understand the unique risks landlords face. Our policies cover damages from fire, lightning, and other covered perils, ensuring your investment is secure. Let us help you find the right coverage to safeguard your property and financial future.
Comprehensive Dwelling Fire Insurance: Protecting Your Rental from Unexpected Risks
Coverage A - Dwelling Protection
Covers the structure itself (walls, roof, built-in appliances, etc.) from specific perils depending on the policy form (DP-1, DP-2, DP-3).
Coverage B - Other Structures
Covers detached structures like garages, sheds, fences (usually 10% of Coverage A).
Coverage C: Personal Property
Covers contents inside the dwelling (optional and not always included by default). Limited for non-owner-occupied homes.
Coverage D: Fair Rental Value
Covers lost rental income if a covered peril makes the home uninhabitable.
Coverage E: Additional Living Expenses
Only available in DP-2 and DP-3: Pays for temporary housing if the owner occupies the home and it becomes uninhabitable.
Liability + Medical Payments
Typically not included in standard dwelling fire policies, but can be added by endorsement or via a separate liability policy.