{"id":1539,"date":"2011-09-20T17:12:39","date_gmt":"2011-09-20T21:12:39","guid":{"rendered":"http:\/\/www.noyeshallallen.com\/?p=1539"},"modified":"2018-08-02T14:24:15","modified_gmt":"2018-08-02T20:24:15","slug":"what-is-dwelling-fire-insurance","status":"publish","type":"post","link":"https:\/\/www.noyeshallallen.com\/blog\/what-is-dwelling-fire-insurance\/","title":{"rendered":"What is &#8220;Dwelling Fire&#8221; Insurance?"},"content":{"rendered":"<p>Most Maine home insurance is written on a homeowners policy. But certain types of property do not qualify for homeowners policies, either because of the characteristics of the property or its occupancy. Properties that do not qualify for <a title=\"Maine Home Insurance and Maine Homeowners Insurance Quotes from Noyes Hall &amp; Allen South Portland\" href=\"http:\/\/www.noyeshallallen.com\/personal-insurance-landing\/homeowners-insurance\/\">Maine homeowners insurance<\/a> are often insured on a Dwelling Fire policy.<\/p>\n<h3><span style=\"color: #333399;\">Does a Dwelling Fire Policy Only Cover Fire?<\/span><\/h3>\n<p>The name is misleading. All Dwelling Fire policies cover more than just fire. How much more depends on which policy form you have.<\/p>\n<p>Dwelling Fire policies offer\u00a03 common flavors: DP-1, DP-2 and DP-3.\u00a0Homeowners policies also have 3 options, HO-1 through 3. The vast majority of Maine homeowners policies are HO-3; likewise, DP-3 is the most common coverage level found on\u00a0Maine Dwelling Fire policies.<\/p>\n<p>DP-3 Dwelling Fire policies and an HO-3 Homeowners policies have very similar coverage for buildings.\u00a0Building\u00a0coverage is considered &#8220;open perils&#8221;: unless a cause of loss is excluded, it is covered. The lower-numbered policies provide more restrictive &#8220;named perils&#8221; building coverage;\u00a0only specifically listed\u00a0causes of loss are covered. The DP-2\/HO-2 building section covers 12 named perils. The DP-1\/HO-1 only covers 4: Fire &amp; lightning; windstorm; explosion; and vandalism.<\/p>\n<h3><span style=\"color: #333399;\">The Difference Between a Dwelling Fire Policy and a Homeowners Policy <\/span><\/h3>\n<p><span style=\"color: #000000;\">There are several key differences between the two policies. <\/span><\/p>\n<ul>\n<li><span style=\"color: #000000;\">Dwelling Fire policies do not automatically include Liability or Medical Payments coverage.<\/span><\/li>\n<li><span style=\"color: #000000;\">Theft of contents is not covered by Dwelling Fire policies (you can sometimes\u00a0purchase a small amount for an additional premium). <\/span><\/li>\n<li>Dwelling Fire policies typically don&#8217;t permit\u00a0optional coverage extensions that are common to homeowners policies (e.g. <a title=\"Is Water Backup Covered By Your Maine Homeowners Insurance?\" href=\"http:\/\/www.noyeshallallen.com\/is-water-backup-covered-by-your-maine-homeowners-insurance\/\" target=\"_blank\" rel=\"noopener\">water backup<\/a>; identity theft; <a title=\"Is Tree Damage Covered by a Maine Homeowners Policy?\" href=\"http:\/\/www.noyeshallallen.com\/is-tree-damage-covered-by-a-maine-homeowners-policy\/\" target=\"_blank\" rel=\"noopener\">fallen tree removal<\/a>; food spoilage).<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<hr \/>\n<h3 style=\"text-align: center;\"><a href=\"https:\/\/www.noyeshallallen.com\/blog\/whats-the-difference-between-a-homeowners-policy-and-dwelling-fire-policy\/\" target=\"_blank\" rel=\"noopener\">Related Post: What&#8217;s the Difference Between a Homeowners Policy and a Dwelling Fire Policy?\u00a0<\/a><\/h3>\n<hr \/>\n<h3><span style=\"color: #333399;\">Why do I need to Buy a Dwelling Fire policy? <\/span><\/h3>\n<p><span style=\"color: #000000;\">A Dwelling Fire policy may be required for: <\/span><\/p>\n<ul>\n<li><span style=\"color: #000000;\">Property rented to others. <\/span><\/li>\n<li>Seasonal property.<\/li>\n<li>Other properties as determined by an insurer&#8217;s Underwriting Department.<\/li>\n<\/ul>\n<p>A\u00a0Dwelling Fire policy covers your property for\u00a0more than fire. Coverage is generally not as broad as a homeowners policy, but it&#8217;s not as limited as the name implies. For advice about your particular situation contact your <a title=\"Noyes Hall &amp; Allen | A South Portland Maine insurance agency\" href=\"http:\/\/www.noyeshallallen.com\" target=\"_blank\" rel=\"noopener\">Maine insurance agency<\/a> or Noyes Hall &amp; Allen at 207-799-5541.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Most Maine home insurance is written on a homeowners policy. But certain types of property do not qualify for homeowners policies, either because of the characteristics of the property or its occupancy. Properties that do not qualify for Maine homeowners insurance are often insured on a Dwelling Fire policy. Does a Dwelling Fire Policy Only [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11,13],"tags":[26],"class_list":["post-1539","post","type-post","status-publish","format-standard","hentry","category-business-property-insurance-business-insurance","category-homeowners-insurance","tag-qa"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts\/1539","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/comments?post=1539"}],"version-history":[{"count":3,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts\/1539\/revisions"}],"predecessor-version":[{"id":5165,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/posts\/1539\/revisions\/5165"}],"wp:attachment":[{"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/media?parent=1539"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/categories?post=1539"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.noyeshallallen.com\/blog\/wp-json\/wp\/v2\/tags?post=1539"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}