Dwelling Fire Insurance
Protect Your Investment, Preserve Your Income And Build Lasting Security
Protect Your Investment or Risk Losing It All
If you own a rental, vacation home, or investment property, a standard homeowners policy isn’t enough. Without dwelling fire insurance, you’re exposed to devastating losses that can wipe out both your property and your income.
The Risks of Going Without Dwelling Fire Insurance
- Property Damage: Fires, storms, or vandalism could destroy your investment.
- Lawsuits: If a tenant or guest is injured, you could be personally sued.
- Income Loss: A damaged rental property means lost rent on top of repair costs.
Why It Matters
Rental and investment properties face different risks than primary residences. A kitchen fire, a tenant injury, or months of vacancy could erase years of returns and put your personal assets at risk.
With the right policy, you can:
- Protect the structure with dwelling coverage tailored to the true cost to rebuild.
- Protect your cash flow with loss of rents when a unit is uninhabitable after a covered claim.
- Defend your assets with landlord liability for injuries to tenants or guests.
- Cover real-world risks like vandalism, malicious mischief, and limited theft of appliances or furnishings.
- Prepare for code upgrades with ordinance or law coverage when repairs must meet modern standards.
- Set clear expectations with tenants by requiring renters insurance to reduce disputes and protect both parties.
Why Choose Us
Skipping proper landlord coverage could mean one claim erases years of equity and income. At We Insure USA Brokerage, we design dwelling fire policies that protect your property, your income stream, and your personal assets from lawsuits and losses — so your investment keeps working for you.