Secure your hard-earned property; Insure with Fire Insurance California.

Protect your home and business against the loss and damaged caused by fire with Fire Insurance California.

Dwelling Fire Insurance Policy (DP3)

In California, dwelling fire insurance or landlord insurance is an insurance policy that covers up to 4 units residential property that are rented to others, such as apartments. DP3 policy is specifically designed to protect landlords who are looking to get excellent insurance for their rental properties. If you have a mortgage, your lender is likely to require at least this level of coverage. Don’t be mislead, dwelling fire insurance covers much more than just fire. The policy covers losses to the structure, loss of use or rental coverage, and liability protection. These policies also allow additional coverage through endorsements. A DP-3 policy is ideal for:

Landlords who acquire rental and investment property and do not need to insure others’ personal possessions, as they do their own.
Owners of properties under construction or renovation.
Owners of properties not occupied full time, such as seasonal homes or second homes.

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DP3 Insurance is All Risk Insurance

Fire quickly grow out of control and consume everything you have—leading to thousands of dollars in property damage. DP-3 policies are the most popular kind of dwelling fire insurance because it is the most comprehensive dwelling fire coverage available. DP-3 policy is an open peril policy, which means your dwelling and other structures will be covered for all types of damage, except those your policy specifically excludes. Some of the most commonly included perils are:

Theft
Smok
Aircraft
Freezing
Vehicles
Vandalism or malicious mischief
Accidental discharge or overflow of water or steam
Sudden and accidental tearing apart, cracking, burning, or bulging

Explosion
Falling objects
Fire or lightning
Volcanic eruption
Windstorm or hail
Riot or civil commotion
Weight of ice, snow, or sleet
Sudden and accidental damage from artificially generated electrical current

Another reason DP3 policies are popular is because it is written on a replacement cost basis. This means that insurance company will pay the policy owner the full cost of replacing the lost or damaged property without a reduction for depreciation.

Advantages of having fire insurance

Provides replacement cost for the damaged property

Provisional housing to you and your family

Rebuilding of your damaged house or building

Prevention, fire insurance can give you a sense of security and stability if any unprevented misfortune happens.

Fire insurance can give you extra living expenses when the disaster happens and you’re not legally allowed to live in your house.

Consider an Extended Coverage Endorsement (ECE)

Extended replacement cost is an upgrade, or endorsement to a standard fire policy that provides coverage for additional and more uncommon risks. It extends coverage to include damage caused as the result of more unusual events, including windstorm, hail, explosion, riot, civil commotion, aircraft, vehicles, and smoke.

Best Insurance for Everyone

It is a hard situation if a fire broke into our home. This can lead to serious damage to our personal property and also our home. In spite of that, we have fire insurance that can protect you from the cost of damage that is caused by fire.

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