Also called a dwelling policy (DP-1, DP-2, or DP-3), this coverage is designed for properties you rent out or own as a secondary/vacation home. It protects the building itself and can include liability and loss of rental income coverage.

Standard homeowners insurance is for your primary residence. Landlord and vacation home policies are structured for non-owner-occupied or seasonally occupied properties, where risks, tenants, and occupancy differ.

These policies can cover the dwelling, attached structures, certain personal property you own at the property (like appliances), liability, and loss of rental income if a covered loss makes the property unlivable.