Dwelling Fire Insurance – Protection for Non-Owner-Occupied Homes

Dwelling fire insurance is designed for residential properties you own or have a financial interest in but do not personally live in. Common examples include:

• Rental homes

• Vacant homes that are temporarily uninhabitable

• Homes left unoccupied due to a sale or relocation

In these situations, coverage typically focuses on protecting the structure rather than the contents. Liability coverage for the property may also be arranged separately or through alternative policies, depending on your needs.