Dwelling Fire Coverage
Dwelling fire insurance for rental properties, second homes, and dwellings a standard home policy will not cover.
Coverage for Properties You Do Not Live In
A standard homeowners policy is built for an owner-occupied home, so rental properties, seasonal homes, and certain older or vacant dwellings need different coverage. Dwelling fire insurance protects the structure against fire, wind, and other covered perils, and for landlords it can include lost rental income. We help Western New York property owners cover the buildings that fall outside a typical home policy.
Structure Protection
Covers the dwelling against fire, wind, and other named perils, whether it is rented, seasonal, or between occupants.
Structure Protection
Covers the dwelling against fire, wind, and other named perils, whether it is rented, seasonal, or between occupants.
Rental Income
For landlords, helps replace lost rent when a covered loss makes the property uninhabitable.
Rental Income
For landlords, helps replace lost rent when a covered loss makes the property uninhabitable.
Flexible Placement
We find coverage for properties that standard home policies turn down, including rentals and older dwellings.
Flexible Placement
We find coverage for properties that standard home policies turn down, including rentals and older dwellings.
We work with local landlords and second-home owners, and we know how to cover properties that other agents find tricky to place. As an independent agency, we compare carriers to match the coverage to how the property is used and occupied. You get clear guidance on what is covered and a team that handles certificates and changes for your tenants quickly.
40k+
Insured people
Basic Plan
Basic Plan
This service is included in any type of insurance
This service is included in any type of insurance
Customized Coverage
Protect your biggest investment with our reliable, comprehensive, and trusted home insurance policies.
Customized Coverage
Protect your biggest investment with our reliable, comprehensive, and trusted home insurance policies.
Exceptional Customer Service
Our dedicated customer service team is always ready to assist you with any questions or concerns you may have.
Exceptional Customer Service
Our dedicated customer service team is always ready to assist you with any questions or concerns you may have.
Trusted Expertise
With years of industry experience, our team of insurance professionals has the expertise, knowledge, and dedication.
Trusted Expertise
With years of industry experience, our team of insurance professionals has the expertise, knowledge, and dedication.
Strong Partnerships
We believe in conducting our business with transparency, integrity, trust, and professionalism consistently.
Strong Partnerships
We believe in conducting our business with transparency, integrity, trust, and professionalism consistently.