Title: Specialty Dwelling Insurance
Author: Kevin
Published: February 7, 2016
Last modified: November 28, 2018

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#  Specialty Dwelling Insurance

## Looking for Rental or Vacant Property Insurance in CITYNAME?

If you own a rental property in CITYNAME or a home that happens to be vacant, a 
traditional homeowners insurance policy will not work.

You need what’s called a “Specialty Dwelling” insurance policy.

This is because traditional homeowners insurance **excludes coverage** for properties
that are not owner-occupied.

In other words, if you don’t live in the house, it’s only covered by a specialty
dwelling policy.

AGENCYNAME represents several carriers who can insure your rental property, or specialty
use property.

## Specialty Dwelling Insurance

There are multiple scenarios where specialty dwelling insurance is necessary:

**Rental Properties** — Specialty Dwelling insurance is the only type of policy 
that will work for a rental property.

There are certain coverages that you need as the owner of a non-owner occupied property
that are only provided by a specialty dwelling insurance policy like for example**
Landlord Furnishings**, and **Tenant Liability**.

**Vacant Homes** — vacant homes can present all kinds of problems which is why they
can be extremely difficult to insure. Most insurance companies want nothing to do
with a property that is vacant. We can help you though.

**Seasonal & Vacation Homes** — in many cases, in order to insure a secondary, seasonal,
or vacation property, most companies require that you insure your primary residence
with them as well, which isn’t always possible.

**Older & Lower Value Homes** — if your home is extremely old and/or the market 
value is considerably lower than the cost to rebuild it, many insurance companies
may hesitate to cover it. Older or lower-valued properties present a number of problems,
but we have access to specialty policies specifically for these types of homes.

**Credit Problems** — some homeowners might not have strong enough credit to qualify
for a “standard” homeowners policy. When this is the case, specialty dwelling insurance
is the alternative.

**Homes Under Construction** — in some situations your renovation, addition, or 
reconstruction project may require a specialty dwelling policy.

## How to get started on your quote

If you live in CITYNAME and have a property that fits these parameters, give us 
a **call** and we can [**quote**](https://mu4.advisorevolved.com/quote/?output_format=md)
your property to see who has the best product for you.

### Want to compare your options?

Click the button below to head to our quotes page where you can enter some basic
information to have our team help with your insurance!

 [ Start A Conversation With Us  ](https://mu4.advisorevolved.com/quotes/?output_format=md)

##### Ready to get started?

### Start Your Quotes Today

Enter some basic information below to get the process started.

 [ Start Quotes ](https://mu4.advisorevolved.com/quotes/?output_format=md)

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