Protection for the homes you don’t live in.
A DP-3 dwelling-fire policy covers rental properties, second homes, and non-owner-occupied dwellings — protecting the structure, your rental income, and your liability as a landlord.
Starts around $50/month · shopped across multiple A-rated carriers
The protection that matters.
Dwelling
Replacement-cost coverage for the structure of a rental or secondary home against fire, wind, and covered perils.
Fair rental value
Replaces lost rental income while the property is uninhabitable after a covered loss.
Landlord liability
Covers injury or damage claims arising from your ownership of the rental property.
Other structures
Detached garages, fences, and outbuildings on the property.
Straight talk, no jargon.
- Require your tenants to carry renters insurance and name you as an interested party — it protects both of you.
- Short-term-rental (Airbnb/VRBO) use often needs a specific endorsement; tell us and we’ll place it correctly.
- Owners with multiple rentals can usually save by packaging properties with one carrier.
Dwelling Fire questions.
Still wondering about something? A real advisor is a phone call away.
How is this different from homeowners?
Does it cover my tenant’s belongings?
Can I cover a short-term rental?
Let’s get you covered.
Start your dwelling fire quote in a few minutes, or talk it through with a licensed Northwest advisor. No obligation, ever.