California dwelling fire insurance
For rentals, seasonal, vacant, and non-owner-occupied homes that do not fit a standard homeowners policy.
When a dwelling fire policy fits
- Rental and non-owner-occupied homes
- Seasonal or second homes
- Vacant or unoccupied properties, including during renovation
- Inherited or transitional homes
- Homes that do not qualify for a standard homeowners policy
DP-1 vs DP-2 vs DP-3
DP-1 is the most basic, covering a short list of named perils, often at actual cash value. DP-2 adds more named perils and usually replacement cost. DP-3 is the broadest, covering the dwelling on an open-perils basis similar to a homeowners policy. We match the form to the property and your budget.
Frequently asked questions
What is the difference between dwelling fire and homeowners insurance?
Homeowners insurance assumes you live in the home full-time and bundles broad property and liability coverage. Dwelling fire policies are built for non-owner-occupied, seasonal, or vacant homes and focus on the structure and named perils.
Can a dwelling fire policy cover a vacant home?
Yes. Vacant and unoccupied homes often need a dwelling fire or specialty vacant policy, since standard homeowners coverage may exclude vacancy. We place these regularly.
Can I get a DP policy in a wildfire area?
Yes. We use admitted, surplus lines, and FAIR Plan markets to place dwelling fire coverage on fire-exposed properties.
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Prefer to talk? Call (800) 555-0100.