{"id":181,"date":"2017-07-31T08:00:00","date_gmt":"2017-07-31T08:00:00","guid":{"rendered":"http:\/\/www.myadvantageinsurance.com\/blog\/?p=181"},"modified":"2017-08-14T19:13:09","modified_gmt":"2017-08-14T19:13:09","slug":"dwelling-fire-insurance-explained","status":"publish","type":"post","link":"https:\/\/www.myadvantageinsurance.com\/blog\/dwelling-fire-insurance-explained\/","title":{"rendered":"Dwelling FIre Insurance Explained"},"content":{"rendered":"<p>While a standard home owner&#8217;s insurance policy covers the structure and its contents against numerous hazards, a dwelling fire insurance policy covers against a much more narrow set of hazards. It costs less than a home owner&#8217;s policy and it&#8217;s customizable nature lets you pick what is covered.<\/p>\n<p><strong>What Dwelling Fire Insurance Covers<\/strong><br \/>\nDon&#8217;t let its name mislead you. Depending on the insurer, a dwelling fire policy may cover:&nbsp;<\/p>\n<ul>\n<li>fire damage<\/li>\n<li>smoke-related damage<\/li>\n<li>explosions<\/li>\n<li>wind damage<\/li>\n<li>vandalism<\/li>\n<\/ul>\n<p>The policy lists only the specific hazards covered. You can choose to cover only the structure or its contents, too. You can customize a dwelling fire policy to cover exactly what you need, including liability.&nbsp;<\/p>\n<p><strong>Who Benefits from a Dwelling Fire Policy?<\/strong><br \/>\nMany home owners don&#8217;t need a full home owner&#8217;s policy. Dwelling fire insurance makes the ideal choice for the following:<\/p>\n<ul>\n<li>Landlords who need to insure the building, but not its contents.<\/li>\n<li>Property owners whose home is under construction or renovation.<\/li>\n<li>Owners of a second home or a vacation home.<\/li>\n<li>Home owners of properties with a very low cash value like mobile homes or manufactured homes.<\/li>\n<li>Home owners of historic properties whose structural features make a homeowner&#8217;s policy cost prohibitive.<\/li>\n<li>Owners of significantly older structures in disrepair.<\/li>\n<\/ul>\n<p>Visit Advantage Insurance Network of Cincinnati, OH to discuss whether a dwelling fire insurance policy works for you. Your Advantage agent can help you design a policy that exactly fits your needs. Remember that only a flood insurance policy covers flood, so if your home resides in a flood zone that requires coverage, you&#8217;ll need a separate flood policy. Let us help you design the perfect dwelling fire policy for you.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>While a standard home owner&#8217;s insurance policy covers the structure and its contents against numerous hazards, a dwelling fire insurance policy covers against a much more narrow set of hazards. It costs less than a home owner&#8217;s policy and it&#8217;s customizable nature lets you pick what is covered. What Dwelling Fire Insurance Covers Don&#8217;t let [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[50,68],"class_list":["post-181","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-advantage-insurance-network","tag-cincinnati-oh"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.myadvantageinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/181","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.myadvantageinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.myadvantageinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.myadvantageinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.myadvantageinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=181"}],"version-history":[{"count":1,"href":"https:\/\/www.myadvantageinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/181\/revisions"}],"predecessor-version":[{"id":182,"href":"https:\/\/www.myadvantageinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/181\/revisions\/182"}],"wp:attachment":[{"href":"https:\/\/www.myadvantageinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=181"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.myadvantageinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=181"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.myadvantageinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=181"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}