Dwelling Fire Insurance MA

When you own a home in Massachusetts that you’re not living in, it can be tough to find the right insurance coverage. Still, protecting your assets is essential. Just like you have homeowner’s insurance on your primary residence, you need coverage for a rental house, multi-family, vacation home, or any dwelling you own but don’t live in. 

Luckily, there are options to protect your property from unexpected incidents like accidents, vandalism, theft, and natural disasters. Coverage exists in varying levels, but usually includes liability protection, loss of rent coverage, and protection for other structures on the property. Choosing the right policy is essential to ensure you have the protection you need.

Dwelling Fire Insurance

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Massachusetts Dwelling Fire Insurance: LoPriore Insurance Agency

Dwelling Fire Insurance in Massachusetts

LoPriore Insurance Agency understands how much you put into your investment. Indeed, your additional property isn’t simply a dwelling. It can generate income to help support your family or be a place you can count on for well-earned vacation time. You can’t watch over your properties 24 hours a day, but they still need protection in case of an unexpected disaster. Without the right coverage, you’ll be facing the full cost of repairs or replacement.

At LoPriore, our motto is “insurance that fits your lifestyle”. No two properties are the same and no two homeowners face the same demands in life. Instead of placing you in a one-size-fits-all plan with too little or too much coverage, we help you customize a dwelling fire policy to meet your unique needs. With our extensive portfolio of insurance companies, we offer a variety of insurance solutions designed to fit your lifestyle and budget.


Dwelling fire insurance is a policy designed to provide coverage for a home that isn’t used as the homeowner’s primary residence. Commonly used for investment properties, rental homes, or vacation homes, there are 3 types of fire dwelling policies. First, the DP-1 (basic form) is a named perils policy that covers losses due to fires, lightning, or internal explosion. The DP-2 (broad form) covers the perils named in the DP-1, plus a variety of additional perils. Lastly, the DP-3 (special form) is an open perils policy that covers all types of perils except those named in the policy.


There are a variety of reasons a homeowner might benefit from a dwelling fire insurance policy. Indeed, most homeowner’s insurance policies don’t cover rental properties, investment properties, or those not used as a homeowner’s primary residence. A dwelling fire policy provides coverage similar to a homeowner’s policy.


Anyone who owns a house that isn’t their primary residence can benefit from dwelling fire insurance. In fact, some of the most common dwellings that benefit from dwelling fire insurance include:

  • All types of rental properties
  • Multi-Family Homes 1 to 4 units
  • Vacation homes
  • Older homes
  • Vacant homes
  • Seasonal homes

What is covered?

Sometimes called rental insurance, a dwelling fire insurance policy is often used by landlords to provide coverage for a home but not the possessions inside. As mentioned above, there are three types:

Dwelling fire insurance coverage details

Sometimes called rental insurance, a dwelling fire insurance policy is often used by landlords to provide coverage for a home but not the possessions inside. As mentioned above, there are three types:

DP-1 Basic Form

A DP-1 policy is a listed perils policy that lists the incidents covered on the policy. The policy settles claims on an actual cash value basis. Additionally, this form is typically used for vacant properties. Coverage includes:

  • Fire
  • Lightning
  • Internal Explosions

Additional coverage can be purchased to enhance your DP-1 coverage. Optional endorsements for your DP-1 policy include:

  • Vandalism and Malicious Mischief
  • Extended Coverage which covers damage caused by hail or windstorms, other explosions, riots, aircraft or vehicles, smoke, and volcanic eruptions.

DP-2 Broad Form

The DP-2 policy is also a listed perils policy. A DP-2 policy provides extended coverage beyond that of a DP-1 policy. It also provides replacement cost value for settled claims. Then, the DP-2 policy begins with the same coverage as the DP-1 policy. It also includes:

  • Extended coverage listed for the DP-1
  • Burglary
  • Vandalism
  • Damage from the weight of ice and snow
  • Accidental overflow of water or discharge of steam
  • Freezing Pipes
  • Falling Objects
  • Electrical Damage
  • Collapse
  • Tearing apart, cracking, bulging, or burning
  • Loss of rent coverage

DP-3 Special Form

The DP-3 policy is an open perils policy that covers all damage except those specifically excluded in the policy. It provides the most comprehensive dwelling fire coverage available. Then, if personal property is included in the policy, it is covered on a named perils basis. Exclusions on a DP-3 policy may include:

  • Water Damage
  • War
  • Neglect
  • Laws and Ordinances
  • Intentional Loss
  • Mold, rust, rot, and other gradual decomposition losses
  • Earthquakes

Additional optional coverage

Additional coverage might be available to extend your dwelling fire coverage. This additional coverage may be referred to as an endorsement and may include:

  • Personal Property Coverage
  • Sinkhole Coverage
  • Water Backup or sump charge overflow
  • Ordinance or Law
  • Limited Theft Coverage
  • Equipment Breakdown Coverage
  • Service Line Coverage

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There are certain situations when dwelling fire insurance would be a preferable policy. Landlords often purchase dwelling fire insurance while their tenants have a separate renter’s insurance policy. Dwelling fire coverage is also used for buildings under construction, vacation homes that are not always occupied, and lower value homes that might be more difficult to get a homeowner’s policy.

No. Dwelling fire insurance provides targeted coverage that is considerably cheaper than the broad coverage supplied by a typical homeowner’s insurance policy.

No, dwelling fire insurance covers a list of perils included on the policy. These perils are often similar to those on a homeowner’s policy and may include vandalism, fire, explosions, and certain weather-related events. It’s important to remember that dwelling fire insurance only covers perils listed on the policy. While dwelling fire insurance is similar to homeowner’s insurance, it’s important to note that the contents inside the building will not be covered, only the structure itself.

Often, homeowner’s insurance policies are designed to cover owner-occupied homes. A dwelling fire policy can provide coverage for the home while the tenant secures a separate policy for the possessions inside. Dwelling fire coverage can also provide you with loss of rental income coverage if the house is deemed unlivable due to a covered incident.

Your independent insurance agent will explain the details of coverage when you purchase a policy. If you don’t think you have the coverage you need, you may be able to purchase additional coverage from optional add-on coverage or endorsements. For instance, if you’re in a high-risk area, you may wish to purchase flood insurance alongside your fire dwelling policy.

Learn More About Dwelling Fire Insurance

If you have a rental home or another home that doesn’t qualify for a typical homeowner’s insurance policy learn about a dwelling fire insurance policy from LoPriore Insurance to get the protection you need for your property. To learn more about the coverage provided by a dwelling fire policy or to get a quote for the policy you need, get in touch with our friendly agents today.

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