Dwelling fire insurance is an important extra policy that covers properties you own, but do not live in most of the year. This includes vacation homes, cottages, cabins, or rentals. Various factors like climate change, electrical faults, and urbanization have led to an increased risk of fire. Standard homeowners’ insurance covers fire damage but often has limitations.

Unoccupied homes are subject to fires caused by electrical shorts, lightning strikes, and vandalism. Renting out your property leaves it at a higher risk for a fire caused by the careless behavior as you have little control over what happens in a property in which you do not reside.

Common gaps in coverage, such as specific types of property or damage often exceed policy limits of standard policies. Obtaining dwelling fire insurance can fill these gaps.

While no one expects a fire, being prepared with the right insurance can make all the difference in recovery and peace of mind.