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Home > Blog > What Is Dwelling Fire Insurance? (And Why DP3 Is the Gold Standard)
WEDNESDAY, MAY 14, 2025

What Is Dwelling Fire Insurance? (And Why DP3 Is the Gold Standard)

If you own a rental property, vacation home, or older house not occupied year-round, Dwelling Fire Insurance is a must. But not all dwelling fire policies are created equal—enter the DP3 policy, the Cadillac of coverage.

🔥 What Is a Dwelling Fire Policy?

A Dwelling Fire Policy (often called DP insurance) protects structures like:

  • Rental homes
  • Vacation properties
  • Older or less frequently occupied homes

It covers damage from fire, wind, hail, vandalism, and more—depending on the level you choose (DP1, DP2, or DP3).

💎 Why Choose DP3?

DP3 is the most comprehensive:

  • Covers your property for most perils (unless excluded)
  • Replacement cost coverage (not just depreciated value)
  • Includes loss of rental income if your tenant has to move out after a claim

🧠 Bottom Line:

If you’re a landlord or own a second property, DP3 insurance gives you peace of mind and the most protection. It's not just about fire—it's about smart coverage.

 

www.alohainsuranceco.com

Aloha Insurance

8753 Yates Dr Ste 200 Westminster CO 80031

BUS:  303-489-0889

#ALOHAINSURANCECO

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Disclaimer: This blog is for informational purposes only. Policy terms and conditions vary by provider—always read your insurance contract carefully.

Posted 5:33 PM

Tags: dwelling fire insurance, dp3 policy, rental property insurance, landlord insurance, property insurance, fire insurance coverage, dp3 insurance explained, home insurance for landlords, investment property insurance, replacement cost coverage, insurance for second homes, real estate investor tips
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