Dwelling Insurance from Gulf Harbor Insurance

Dwelling insurance covers properties that are owned by you and rented to others or owner-occupied homes with more than two boarders. Similar to a homeowners policy, while not as broad in coverage, a dwelling policy offers “fair rental value” coverage in the event that a dwelling becomes uninhabitable due to a covered loss. This coverage pays you a portion of your lost income that is generated from leasing your rental property to others.  

What does dwelling insurance cover?

Coverage varies based on the type of dwelling policy you have; however, most standard policies often include protection against damages caused by:

• Fire or Lightning
• Windstorm or Hail
• Explosion
• Smoke
• Vandalism
• Accidental discharge or overflow of water