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Dwelling fire insurance provides coverage specifically for certain hazards and is usually available at a substantially lower price than homeowners insurance.

home-featureA standard home insurance policy typically provides general coverage against a variety of different hazards. In comparison, dwelling fire insurance provides coverage specifically for certain hazards and is usually available at a substantially lower price. At Wise Insurance Agency, LLC, we can help you determine if dwelling fire insurance is the right solution for you and help you select a policy that saves you money while also complementing your specific needs.

Despite its name, dwelling fire insurance usually covers more than just fire and smoke-related damage. With one of these policies, you may even be able to gain coverage for hazards like vandalism, wind damage, and explosions. However, unlike standard homeowners insurance, dwelling fire insurance policies only covers the hazards listed in your policy.

 

While many can benefit from this form of insurance, it is not the right choice for everyone in Florida. We recommend acquiring a dwelling fire insurance policy if you:

  •     Are a landlord who needs to insure the structure of your building, but not the possessions that are kept inside it by your tenants
  •     Own a property that is currently under construction or undergoing renovations
  •     Own a home that is not occupied consistently
  •     Are the owner a home that is not associated with a high cash value, such as an older home, mobile home, or manufactured home

At Wise Insurance Agency, LLC, we look forward to helping you protect your property against hazards and introducing you to the benefits associated with acquiring a dwelling fire insurance policy. To find out more about this form of insurance and if it is the right choice for you and your property, contact us today.

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