Title: Specialty Dwelling Insurance
Author: Chris Langille
Published: February 7, 2016
Last modified: October 26, 2022

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#  Specialty Dwelling Insurance

If you own a rental property in ________ or 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.

_____________ 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 kind 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.

If you live in __________ and have a property that fits these parameters, give us
a call and we can quote your property to see who has the best product for you.

#### Would You Like Us To Review Your Policies?

 * What would you like a quote for? Check all that apply:*
    -   Auto
    -   Home
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    -   Rental Property
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    -   Motorcycle
    -   Boat & Jet Ski
    -   Umbrella
    -   Business Owners Package
    -   Work Comp
    -   Contractors Insurance
    -   Other
 * Primary Policyholder Name*
 *    First    Last
 * Your Phone Number*
 * Your Email*

 * How did you find our agency?*
    -   Google Search
    -   Facebook Page/Post
    -   Facebook/Instagram Ad
    -   Google Ad
    -   Customer Referral
 * Who referred you to us?*
 * Current Insurance Provider*
 * Date Quote Needed*
 *   MM slash DD slash YYYY
 * If you have any other questions, comments or requests, please leave them here,
   thank you!

### Request Your Proposal Here

Are you ready to save time, aggravation, and money? The team at AGENCYNAME is here
and ready to make the process as painless as possible. We look forward to meeting
you!

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