Owners of rental properties or seasonal homes, or those who otherwise do not need all of the coverage options found in our Homeowner policy, may benefit from a Standard Property and Casualty Insurance Company Dwelling Fire policy.
Despite the name, Dwelling Fire policies actually cover more than just fire and smoke-related damage. Like a Homeowner policy, a Dwelling Fire policy provides coverage for the building itself. Unlike the Homeowner policy, this coverage applies if the structure is owner occupied or tenant occupied. Additional coverages offered under a Dwelling Fire policy can provide protection for other structures on a property, personal belongings and landlord’s premises liability. If a home or rental property is damaged and no longer livable, a Dwelling Fire policy can provide coverage for the payment of necessary increase in living expenses, or help in replacing lost rental income. Standard Property and Casualty can tailor a policy to meet your specific needs.
Contact a Standard Property and Casualty Insurance Company independent agent for a complete list of coverage options.