Dwelling Fire Insurance

Protect the properties you don’t live in.

If you own a rental, seasonal, or vacant property, you need dwelling fire insurance—not homeowners insurance. At Pennsylvania Insurance Specialists, we help property owners get the right coverage to protect structures from damage, liability, and loss—even when no one’s living there.

Smart Coverage for Non-Owner-Occupied Homes

A black and white leaf icon on a white background.

Dwelling fire insurance typically covers the structure itself—things like walls, roof, and attached features—against risks like fire, vandalism, wind, and more. It can also include liability coverage and loss of rental income. We’ll help you customize protection for the way your property is used.

Get a Free Dwelling Fire Quote

Whether you rent it, leave it empty, or use it part-time, we’ll make sure your property is properly protected.



Call  (724) 238-2378 or request your quote today.

A man with a backpack is standing next to a lake in the woods.
A black and white image of a pair of scissors on a white background.

Dwelling Fire Insurance FAQs

  • How is dwelling fire different from homeowners insurance?

    Dwelling fire insurance is designed for properties where you don’t live—like rentals or vacant homes. It excludes personal belongings and focuses on the structure.






  • Is it required?

    It’s not always required, but it’s often needed by lenders and always a smart move for protecting your investment.






  • Can it include liability and loss of rental income?

    Yes. We’ll help you choose the right endorsements to cover your property’s specific risks.