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Home > Blog > Are Homeowner and Dwelling Fire policies the same?
TUESDAY, JUNE 30, 2020

Are Homeowner and Dwelling Fire policies the same?

Homeowner policy forms are used for Owner-Occupied residences, not rental or vacant properties.  Homeowner forms can be used for owning a home, villa, condo or renting an apartment; however, there are different homeowner forms for each.  

HO-3, HO-5's are used for owners of houses or villa's where owner is responsible for damage to exterior of residence.  HO-6's are for Condominium unit owner occupants who are not responsible for exterior of building.  HO-4's are for renters of a home, apartment, living with someone else when not related to them.  The HO-4 only protects the renter's personal property.  

Dwelling Fire policies are used when the owner of the property does not reside in the unit.  A DP-1 can be used for a VACANT property or owner of a property perhaps only looking for a market value policy not interested in rebuilding the home. The DP-1 is the most basic policy provided very limited coverage.  If wish to rebuild your rental then DP-2 or  DP-3 is recommended.  

Each of these policy forms allows add on to the policies such as Vandalism or Liability etc.

If you would like more information please contact Flanigan Insurance @ 314-727-6000

 

 

 

 

Posted 2:15 PM

Tags: homeowner insurance, rental property insurance, policy forms, missouri insurance
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NOTICE: This and all content is developed from sources believed to be providing accurate information. The information in this material is not intended to be used as tax or legal advice. Please consult with a tax and/or legal professional for detailed information regarding your individual situation. Some of this material was developed and shared by Flanigan Insurance Agency Inc to provide information that may be of interest. Flanigan Insurance Agency Inc is not affiliated with the named representative, broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.
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