Dwelling Fire Policy: Homeowners Insurance At Its Most Basic

If you are looking for affordable home owners insurance that also includes some decent coverage then you should consider a dwelling fire policy. Although there are more extensive (and more expensive) policies out there, a dwelling fire, or DP-1, is a “named peril” policy. This means that it will only protect against losses resulting from a peril listed specifically in the policy.

If you are interested in testing the waters as far as prices on a dwelling fire policy use our quick form to compare homeowners insurance quotes free and find the most attractive policy at the most reasonable rate.

 

Your standard dwelling fire policy offers protection for your home and other permanent structures on your property for the following perils:

• Fire or lightning
• Aircraft
• Volcanic eruption
• Smoke
• Vehicles owned by others
• Riot or civil uprising
• Hail or windstorm
• Explosion

This is just a sampling of some of the perils covered by a fire dwelling policy. Most of these policies offer actual cash value for total losses and may also include a reasonable repair clause where you will be reimbursed for minor repairs made to your home in order to prevent further damage.

A Dwelling Fire Policy: For Those On A Budget

Many homeowners will opt for a more extensive policy, but a dwelling fire policy is perfect for those on a very tight budgetary constraint.  If you want to find out more about pricing on a dwelling fire policy, compare quotes online.   Though its restrictive, it provides rather extensive coverage for the most common causes of home damage and also includes other perks listed above. Contact a home insurance agent today to learn more about a dwelling fire policy and whether or not it’s the right policy for you.