Protect Your Investment with Flexible Coverage

Whether you're a landlord, a vacation homeowner, or own a property that’s not your primary residence, Dwelling Fire Insurance provides critical protection that standard homeowners insurance might not cover. At Insure Connecticut LLC, we help you find the right policy for your unique needs — at competitive rates and with personal service.

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What Is Dwelling Fire Insurance?

Dwelling fire insurance is a type of property insurance that covers homes that are not owner-occupied — including rental properties, vacant homes, seasonal properties, or even homes under renovation. While its name may imply fire-only protection, most policies can be tailored to include broader risks.

It’s a smart, flexible solution for:

Landlords renting single-family homes or duplexes
Owners of vacant homes or properties under repair
Seasonal homeowners and property investors

What's Covered?

Dwelling fire insurance policies are customizable and typically come in three forms (DP-1, DP-2, and DP-3), offering increasing levels of coverage. Here's a breakdown:

Coverage Type	DP-1 (Basic)	DP-2 (Broad)	DP-3 (Special)
Fire & Lightning	✔	✔	✔
Loss of Rent (Rental Income)	Optional	✔	✔
Personal Liability	Optional	Optional	Optional
Replacement Cost Option	✘	✔	✔
Water Damage (e.g. burst pipes)	✘	✔	✔
Wind, Hail, Snow	Optional	✔	✔
Theft	✘	Optional	Optional
Vandalism	Optional	✔	✔

Need help choosing between DP-1, DP-2, or DP-3? Let our licensed agents explain which option is best for your situation.

Why You Might Need Dwelling Fire Insurance

Standard homeowners policies often don't apply to:

Non-owner-occupied homes
Vacant or seasonal properties
Rental units or income-generating dwellings

Without the proper coverage, you could be left unprotected against major risks like fire, weather damage, or vandalism. Dwelling fire insurance fills that gap and may even help protect your rental income.

Key Features & Benefits

✅ Flexible Coverage Options
✅ Protection for Rental Income
✅ Available Liability Add-ons
✅ Customizable to Property Type
✅ Coverage for Detached Structures (garages, sheds, etc.)
✅ Affordable and Scalable

Who Needs It?

You should consider dwelling fire insurance if you are:

A landlord who rents out single-family or multi-family units
A property flipper or real estate investor
A homeowner with a vacant or seasonal home
Renovating or restoring a property temporarily unoccupied

Why Choose Insure Connecticut LLC?

At Insure Connecticut LLC, we don’t sell cookie-cutter policies. We:

Tailor coverage to your property type and risk profile
Shop multiple top-rated carriers for the best rate
Explain your options in plain English — no jargon
Provide local service with multi-state licensing

We’re based in Connecticut but serve clients across the U.S. — protecting properties with care and experience.

Get a Free Quote Today

Don’t leave your investment vulnerable. Whether you're protecting a rental, a flip, or your vacation getaway, our agents will help you choose the right dwelling fire policy.

📞 Call us at (860) 970-0977
🖱️ Or request a free quote online