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Keep a Diligent Eye on Your Property with Specialty Dwelling Insurance

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Unique property

If you own a unique property that does not fit the standard homeowner’s insurance policy criteria, specialty dwelling insurance is something you should consider.

Specialty dwelling insurance provides coverage for properties that have non-standard elements, such as an unoccupied cabin, rental properties, vacation/ seasonal homes, or homes with a lower-than-average market value.

Specialty dwelling insurance offers unique property coverage that goes beyond standard policies, ensuring that your property is protected in the event of damage or loss. It’s important to invest in specialty dwelling insurance to ensure that your unique property is protected, and you have reliable coverage that fits the property’s condition and usage.

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Types of Properties Covered by Specialty Dwelling Insurance

Are you unsure about the type of insurance that best suits your property? Below we cover the different types of properties that most commonly require specialty dwelling insurance.

Rental properties

If you own a property and you’re renting it to someone else, then standard homeowners’ insurance is not sufficient coverage. Specialty dwelling insurance will protect landlords against common rental property risks, including tenant liability and furnishings coverage.

Vacant homes

If you own a property that is unoccupied, there are certain risks that are not covered by a standard homeowner’s insurance policy. For example, an unoccupied home is more susceptible to vandalism, theft, or damage compared to an occupied home. Vacant homes are also more susceptible to worse damage due to undetected problems, like water leaks.


Seasonal and vacation homes

As seasonal and vacation homes are often unoccupied for a certain period throughout the year, it’s important to keep them fully protected with specialty dwelling insurance.

Old and low-value homes

You may struggle to find appropriate homeowners insurance coverage for your property if it’s old or has a lower-than-average market value – this is where specialty dwelling insurance comes in handy, providing you with tailored coverage.

Properties under construction

In some situations, if you are renovating or reconstructing your property, you may need the coverage provided by specialty dwelling insurance. Need the help of an expert specialty dwelling insurance agent to determine what kind of coverage works best for your property? Contact us today to get answers to your questions.

What Does Specialty Dwelling Insurance Cover?

  • Dwelling coverage This type of insurance covers the structure of the property, including attached structures such as garages and decks. Dwelling coverage will pay to repair or rebuild your property if it is damaged by a covered peril (e.g., fire, windstorm, lightning, etc.)
  • Personal property coverage This covers your personal belongings inside the property, such as furniture, appliances, and clothing. The coverage will pay to replace or repair personal property that is damaged by a covered peril.
  • Loss of use coverage This coverage includes reimbursing the cost of living in temporary housing if the property is damaged and made uninhabitable by a covered peril.
  • Liability coverage This covers the property owner’s liability for injuries to others or damage to their property.
  • Other structures coverage This type of insurance coverage includes the cost of repairs or replacement of detached structures on the property, such as a fence, shed, or garage.
Reliable property coverage

Reliable Property Coverage with TIA

Insuring your property is not always straightforward. With The Insurance Alliance, our team of home insurance experts is available to help you find the best special coverage for your residence. At The Insurance Alliance, we aim to make your insurance convenient and affordable. Our mobile app enables you to access our insurance services anywhere, anytime. You can submit claims, access policy documents, and more – all on one app.

The Insurance Alliance secures outstanding competitive rates for your custom dwelling protection policy with the help of our wide network of insurance providers.

Are you ready to get the best property coverage around? Get a free, no-obligation online quote today.

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