If you own a rental property, vacant home, or investment property in Colorado, a standard homeowners insurance policy may not be the right fit. Dwelling fire insurance — also called a DP policy — is designed specifically for non-owner-occupied properties. At Aloha Insurance Co, we help landlords and property investors across Westminster, Thornton, Northglenn, Arvada, Broomfield, and the North Denver metro find the right coverage.
What Is Dwelling Fire Insurance?
Dwelling fire insurance (also known as a landlord policy or DP-1, DP-2, or DP-3 policy) provides property coverage for homes that the owner does not occupy as their primary residence. It’s the go-to coverage solution for:
– Single-family rental homes
– Duplexes and small multi-family properties
– Vacant homes awaiting sale or renovation
– Investment properties
– Properties listed on short-term rental platforms
What Does Dwelling Fire Insurance Cover?
Dwelling Coverage — Protects the structure of the home from covered perils like fire, wind, hail, and vandalism.
Other Structures — Covers detached garages, fences, and other structures on the property.
Liability Coverage — Protects you if a tenant or visitor is injured on the property and files a claim.
Loss of Rental Income — Covers lost rental income if the property becomes uninhabitable due to a covered loss.
Personal Property (Optional) — Covers appliances or furnishings you provide to tenants.
Why Landlords in Colorado Need Dwelling Fire Insurance
Colorado’s Front Range is home to a growing rental market — and with that comes real risk. From hail damage to fire and water damage between tenants, landlords face exposures that a standard homeowners policy simply wasn’t designed to handle.
Why Aloha Insurance Co?
We shop multiple carriers including Geico, Allstate, Liberty Mutual, National General, Foremost, Bristol West, American Modern, and more. Serving landlords and property investors across Westminster, Thornton, Northglenn, Arvada, Broomfield, and the North Denver metro.
???? Call us today for a free dwelling fire insurance quote.
Disclaimer:
Coverage and carrier availability vary by eligibility. Not a guaranteed quote or binding coverage. Not all products available in all states.
