1. Are rental properties covered under a dwelling fire policy?
They can be covered under this policy. These policies are often referred to as landlord policies.

2. Can you cover vacant properties?
There are carriers that will cover a vacant property under a dwelling fire policy. It is best practice to just let the agent know the length of time the property will be vacant. That way the agent will have you covered correctly while it is vacant and have it moved back to a rental property policy if it is rented.

3. Can personal property be covered under a dwelling fire policy? Yes. Majority of carriers will give you the option to cover personal property under a dwelling fire policy.

4. Will my tenant need their own insurance since I have a dwelling fire policy?
Yes. None of their personal property or liability coverage will be insured off your dwelling fire policy. It is recommended to always have your tenants have separate renters insurance.

5. If I own several rental properties, can I cover them all on one dwelling fire policy?
There are many options when you own several rental properties. Our agency will make sure we have a thorough conversation with you to make sure we have all the properties covered correctly. If we can cover them on one dwelling fire policy, we will do that. We can also look at a commercial property policy if that is better.