Benefits of Dwelling Fire Insurance

One of the key specialties offered by Aegis General is dwelling fire insurance. This option is available for seasonal dwellings, rentals and owner-occupied homes. There is nothing worse than losing your home and all of your possessions in a hazardous situation. While insurance will not bring back those prized possessions, it can help cover you in the event of a catastrophe.

Policy Highlights

Depending on your level of coverage, you can either be reimbursed for the cost of replacing your home after a disaster or the cash value of your home. This coverage may even cover the cost to remove the debris from the property and cover the service charge from the fire department.

Features of Coverage

Despite the name of the insurance policy, dwelling fire insurance can actually protect your home from more than just smoke- and fire-related damage. Your home can be covered from a variety of catastrophes and hazards, including:

  • Windstorm or hail
  • Malicious mischief or vandalism
  • Explosion
  • Fire
  • Lightning
  • Civil commotion or riot
  • Damage by aircraft or vehicle
  • Volcanic eruption

Who is Best Suited for Coverage?

Typical candidates who would benefit are owners of properties that are under renovation or construction, owners of manufactured homes or dwellings that do not have much cash value or landlords who need to insure the building but not what is inside it.

Dwelling fire insurance and other specialty policies can be customized to fit your needs with Aegis General. Be sure to contact an insurance agent to help you decide what insurance you qualify for and what risks you will be protected from.


photo credit: Master Bedroom (license)