Abram Interstate Insurance Services, Inc., CMGA

Helping Independent Insurance Agents Since 1996

Who Needs Dwelling Fire Insurance – Know Your Prospects

Published on December 13, 2016

Part of your job as an Insurance Agent is marketing your company and your products. And part of marketing is knowing who needs your product.

Your average customer may not know about Dwelling Fire Insurance, what it is, or if that’s what they need. Once they come to you, you can help them sort that part out. (If you need help on that, see links to more articles about Dwelling Fire Below.)

But to get them in the door, you need to know exactly who Dwelling Fire Insurance is for.

Dwelling Fire Insurance Policies are for:

  • People who own a vacation property that is not their main residence. For this secondary residence, where they don’t keep all of their possessions like in their primary residence, it may make more sense for them to have a dwelling fire insurance policy rather than a traditional homeowners insurance policy. For that cabin in Tahoe they own? Probably a dwelling fire policy is the best suited coverage for their needs.

  • People who own rental properties. Whether it’s your neighbor who owns one other house¬† that he rents to some college kids, or whether it’s the owner of 50 properties throughout town — your customers with rental properties need dwelling fire insurance for those risks. In this case, the policy will still protect the property that they own, without covering the contents of the house (that renters should get covered through rental insurance). This is called a tenant-occupied dwelling.
  • People who own the house and dwell in it, but for some reason they do not qualify for a homeowners insurance policy. Dwelling Fire policies might be necessary if the homeowner has bad credit, or if the property has past claims or poor property conditions that exclude it from the possibility of a Homeowners insurance policy. In this instance customer would need “Owner Occupied Dwelling Fire Insurance”

Dwelling Fire Insurance:

A+ Rated, Admitted & Non-Admitted

*Coverage for High value secondary homes and vacation homes also acceptable

DP-1 and DP-3 available on owner or tenant occupied dwellings with limits from $50,000 to $50,000,000.

Programs available for various:

  • Sizes
  • Ages
  • Lack of Upgrading
  • Values
  • Overall Conditions
  • Losses
  • Protection Classes
  • In-home businesses

Quote your Dwelling Fire Insurance Risks Online Now!

Have a quick question? Chat with us online HERE now.

Want to know more about Dwelling Fire Insurance with Abram Interstate?

Here’s some articles:

Homeowners Insurance vs Dwelling Fire Insurance comparison chart.

Dwelling Schedules – Help your customers Consolidate.


Abram Interstate Insurance Services, Inc. is a California wholesale insurance broker (CMGA) that has licensing and expertise to place business in both admitted and non-admitted markets for personal lines insurance and commercial lines insurance in California and surrounding areas. 

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