Bear River Mutual writes Dwelling Insurance on personally owned homes, buildings, duplexes and four-plexes. Unlike homeowner insurance, dwelling insurance is typically written for rental properties. Our independent agents are experts in helping you understand when dwelling insurance is the best choice for your particular needs.
Dwelling refers to the structure of your home or property that is used primarily as living space, as well as any structures that are attached to the home. In addition, materials and equipment that are being used in the construction or repair of the dwelling and that are located on, or next to, the property, are also covered.
Other structures on the property that are not attached to the home directly are also provided coverage. A detached garage or storage shed are common examples.
Dwelling coverage is less understood by many people. If you own any type of residential rental property talk to your agent to discuss what kinds of options are available and if Dwelling Insurance is right for you.