Skip to content


Protect your home and business against the loss and damage caused by fire with Fire Insurance California.
Call us at (833) 817-7226
or email us at [email protected]
**Fire Insurance California is not affiliated with telemarketers and/or third party solicitation.**

Landlord Insurance Policy | Rental Property Insurance

Fire insurance California
Landlord Insurance protects someone who rents out a home they own. Primarily, it protects the landlords, not the tenants. Many property investors acquire landlord insurance to provide security for their investment properties. If you need to repair your rental property or replace damaged assets or lost due to insured incidents, landlord insurance can help you. The policy may not have extended coverage but can offer loss of rental income when your building becomes unlivable or damaged from an insured event.

It is also a great idea to have broad form liability to protect the landlord fully. Because personal injury, advertising injury, and trespassing are part of broad form policy and not under the protection of Landlord Insurance or DP3. Moreover, if you are in a brush zone, you may have to get a policy as an order occupied. A California FAIR plan or Difference in Condition (DIC) insurance covers catastrophic perils not covered by standard insurance policies.

difference between a dwelling fire policy and a homeowners' policy

Fire Insurance California

Homeowners' Insurance

California Fire Insurance

Dwelling Fire Insurance

Primary or secondary
home you own & occupy
Income, seasonal
or unusual property
Covers theft
of contents
Theft of contents
not covered
Extras often available
(water backups, jewelry, arts, etc.)
Extras not
usually available
Limited suite of coverage
forms HO-3 or HO-5
Wider range of coverage
forms DP-1, 2 or 3

Homeowner’s insurance is designed to protect owner-occupied properties in the event of unexpected disasters damage your home. This policy does include coverage for fire and will help to pay for the cost of repairing any damage, including replacing and rebuilding. Homeowners insurance coverage also extends to liability, giving you protection should an accident tor injury happen on your property.

Dwelling fire insurance is a policy that provides coverage for homes other than your primary residence. This may include vacation homes, cottages, cabins, or investment homes like rentals. Like homeowner’s insurance, your dwelling coverage policy will cover the costs of repairs or rebuilding when fire damage occurs.

The DP-3 form is the most comprehensive dwelling fire coverage available. It is an “open perils” or “all risk” policy, which means real property (dwelling and other structures) will be covered for all types of damage, except those exclusions named in the policy. However, damaged personal property (all the items inside the dwelling and other structures) is covered on a named perils basis.
DP-3 form exclusions vary, but will typically include some or all of the following:
  • War
  • Water Damage
  • Laws and ordinances
  • Neglect
  • Intentional loss
  • Mold, rust, rot and other gradual losses
  • Certain types of water damage
  • Earth movement, such as earthquakes
  • Governmental action
California Fire insurance

Provides replacement cost for the damaged property

Grants provisional housing for you and your family

Helps rebuild your damaged house or building

Gives a sense of security when misfortunes occur

Provides additional living expense coverage


California Fire Insurance

Do you live in California area? Do you own rental or income property? We’re happy to answer your questions about hazard insurance for your mortgage lender, homeowners insurance or dwelling fire insurance. We can explain the difference between various policies. We offer a choice of several insurance companies, so we can shop and compare insurance for you, and help you choose the proper insurance to meet your needs. We’re independent and committed to you. Call Fire Insurance California at (833) 817-7226 , or click the “get a quote” link.