Customer Portal Agent Portal Insurance Claims Customer Resources About Contact Us Breadcrumb Insurance Products Landlord Flex Dwelling Fire Insurance for Landlords A Dwelling Fire Landlord policy is often referred to as an "a la carte insurance policy” because of its flexible coverage options. Despite the name, this policy has the option to cover more than fires. The Dwelling Fire Landlord Program has been tailored to offer coverage to owners of rental properties. A Dwelling Fire Landlord policy provides basic coverage for the structure of the insured dwelling (1-4 family home) or condo unit. You have the option to include coverage for theft, ordinance or law, premises liability and medical payments. We also offer Dwelling Fire insurance for owners of homes (e.g., single-family homes) and condo units. Dwelling fire coverage for your rental home Many coverages have a minimum and maximum coverage amount (commonly referred to as "coverage limit"). Each of the coverage tabs below provide a basic overview of the coverage and the applicable coverage limits. Coverage for the structure of your home (Coverage A) Coverage for Other Structure (Coverage B) Coverage for Your Contents (Coverage C) Fair Rental Value & Additional Living Expense (Coverage D & E) Coverage for Personal Liability on Your Property (Coverage L) Coverage for Medical Payments (Coverage M) A Dwelling Fire Landlord policy provides coverage for damage to the structure of your dwelling in the event of a covered loss. Coverage A includes Replacement Cost for covered losses. This means that the structure of your home is valued using today's construction costs to rebuild or repair your home, which is not the same as the real estate value. Homes with an older roof that may not be eligible for a standard Homeowners Insurance policy could be eligible for a Dwelling Fire Landlord policy because the Dwelling Fire program has an Actual Cash Value Roof Loss Settlement endorsement that can be added to the base policy. Dwelling (Coverage A) Limit: $125,000 - $1,000,000 Dwelling fire coverage for your rental condo unit Many coverages have a minimum and maximum coverage amount (commonly referred to as "coverage limit"). Each of the coverage tabs below provide a basic overview of the coverage and the applicable coverage limits. Remember: Your condo association's insurance policy does not provide coverage for the interior of your unit and personal property. It is your responsibility to repair or replace flooring, appliance or other interior features. Coverage for the structure of your condo (Coverage A) Coverage for your contents (Coverage C) Fair Rental Value & Additional Living Expense (Coverage D & E) Coverage for Personal Liability on Your Property (Coverage L) Coverage for Medical Payments (Coverage M) This is coverage for property which is specifically your responsibility under your Condo-Owner’s Association Agreement. This includes items of real property permanently affixed to the unit that are not covered by the association's policy. Some examples of these items include flooring, walls, and fixtures such as cabinets, and counter tops. Coverage A Limit: $25,000 - $150,000 Optional Coverages We have several optional coverages that can be added to your Dwelling Fire Landlord insurance policy. The optional coverages listed below are available in either one of our Dwelling Fire Landlord programs. Aluminum Screened Enclosures & Carport Identity Theft Protection & Monitoring Ordinance or Law Personal Property Theft Equipment Breakdown & Service Line Endorsements Water Back Up and Sump Overflow Tip: Check to see if these coverages are included in the insurance quotes you receive. By reviewing coverage carefully, you'll be able to make an accurate comparison, and decide which coverage options are best for you. Back to Top About Careers Community Involvement Newsroom facebook twitter pinterest linkedin YouTube ©Security First Insurance Company Terms of Use Privacy Policy