Definition
Dwelling fire insurance is basic fire-only protection for property. It covers the structure against fire, smoke, lightning, and wind but not other perils.
Not sure where this fits?
Answer a few questions and we’ll open the path that fits, at the right step.
Find my pathAbout this term
Dwelling fire policies cover structure only, not contents. Basic form provides essential protection. Cost is minimal compared to comprehensive homeowners. May be available for properties that don't qualify for standard homeowners. Covers fire, smoke, lightning, wind. Does not cover flood, earthquake, or other perils. Additional coverage available through endorsements. Typically $10,000-$300,000 dwelling limits. Forms vary by insurer.
Pro Tip
Dwelling fire policies are economical for basic fire protection. Evaluate whether your property needs additional coverage.
Example
Dwelling fire insurance provided basic fire protection for rental property.