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Homeowners Insurance Condominium Renters - Gulfstream Insurance
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Available in Florida & Louisiana

Dwelling Fire Insurance

A Dwelling Fire policy covers more than just fire.

In fact, a dwelling fire policy, covers the dwelling (Coverage A) for the same perils that are covered by the Homeowners insurance policy. However, many of the coverages that are included on the Homeowners policy – such as Personal Property, Theft, and Liability – are optional on a Dwelling Fire policy. This allows you to customize the policy to better fit your needs and budget.

Because it doesn’t include certain coverages, the Dwelling Fire policy is most often used for rental properties and secondary residences.

What does a dwelling fire policy cover?

Under a standard Gulfstream dwelling fire policy, you’ll get coverage for:

  • Dwelling. This includes walls, roof, flooring, cabinets, countertops, etc. It also includes structures attached to the dwelling such as such as a porch, and interior elements like chandeliers and built-in appliances.
  • Fair Rental Value reimburses you for lost rents in the event that a covered loss makes the rental unit uninhabitable.
  • Additional Living Expense covers relocation costs and temporary living expenses, such as food and rent, if your home is damaged and you cannot live there while the damage is being repaired.
  • Other structures on your property. This includes storage sheds, fences, and detached garages.

Additional coverages you may want to consider include:

  • Personal Property coverage

    Items owned by you, such as appliances and furnishings, kept in the dwelling.

  • Liability Coverage

    Protects your assets if a claim is made, or a suit is brought against you, for bodily injury or property damage to others caused in covered occurrences. It also covers legal defense costs in these cases.

  • Equipment Breakdown Coverage

    Adds coverage for your home equipment including appliances, computers, televisions, heating and cooling systems, swimming pool equipment and more.

  • Carports, Pool Cages and Screen Enclosures

    Adds coverage for losses due to wind/hail/hurricane for carports, pool cages and screened enclosures. Losses on these structures caused by wind/hail/hurricane are excluded under the standard policy.

  • Limited Theft Coverage

    Adds coverage for losses due to theft at your rental property.

Prevention & Protection

Having the right dwelling fire insurance policy protection is important. However, even more important is practicing fire prevention at home. The most common causes of house fires are cooking equipment, portable heaters, candles and smoking in the house. A fire can happen when you least expect it, so be prepared and be safe. Contact your trusted Gulfstream Insurance agent today to make sure you have the right dwelling fire policy in place to protect you and your loved ones.

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ImportantPhone Numbers

Customer Service: 866.485.3004, option 4

Flood Claims: 888.481.1159

All Other Claims: 866.485.3005

Gulfstream Address for:Policy Payments & Correspondence

P.O. Box 100248
Columbia, SC 29202-3248

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ImportantPhone Numbers
Customer Service: 866.485.3004, option 4
Flood Claims: 877.254.6819
All Other Claims: 866.485.3005
OUR LOCATIONSWhere to find us?
Policy Payments & Correspondence:
P.O. Box 100248
Columbia, SC 29202-3248
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© Copyright 2021 – Gulfstream Property and Casualty Insurance Company | Privacy Policy | Legal Notice
Gulfstream uses credit-based insurance scores in some states. See FAQ for more information.

© Copyright 2021 – Gulfstream Property and Casualty Insurance Company | Privacy Policy | Legal Notice
Gulfstream uses credit-based insurance scores in some states. See FAQ for more information.