Dwelling Fire Owner-Occupied

Dwelling Fire Coverage for Homeowners

Many coverages have a minimum and maximum coverage amount (commonly referred to as "coverage limit"). Each of the coverage tabs below provide a basic overview of the coverage and the applicable coverage limits that allow you to customize your policy to best suit your needs.

A Dwelling Fire Owner policy provides coverage for damage to the structure—your home—in the event of a covered loss. Coverage A includes replacement cost for covered losses. This means that the structure of your home is valued using today's construction costs to rebuild or repair your home, which is not the same as the real estate value of your home. 

Homes with an older roof that may not be eligible for a standard Homeowners Insurance policy could be eligible for a Dwelling Fire Owner policy because the Dwelling Fire program has an Actual Cash Value Roof Loss Settlement endorsement that can be added to the base policy. 

Dwelling (Coverage A) Limit: $75,000 ($100,000 minimum in coastal counties) - $1,000,000 

Our Dwelling Fire Owner policy provides coverage for “other structures” located on the residence premises. For example: a detached garage or an in-ground swimming pool may be considered an “other structure”. Additional coverage is also available for pool enclosures. 

Other Structures (Coverage B) Limit: 1% - 20% of Coverage A 

Coverage C provides coverage for your personal belongings. Some examples of the contents you may elect to cover are furniture, clothing, jewelry, television, stereo, and appliances. 

Personal Property (Coverage C) Limits: $0 - $250,000 

A Dwelling Fire Owner policy also offers replacement cost coverage for your personal property. Without this very valuable coverage, covered losses to your personal property would be calculated using the item’s depreciated value, which is less than the replacement value. 

If your home becomes uninhabitable due to a covered loss, our Dwelling Fire Owner policy provides coverage for the additional living expenses you and your family incur while you are living away from your home. This includes costs for a place to stay, food, and clothing. 

Coverage Limits: 10% of Coverage A 

Tip: Make sure you keep all your receipts. 

In the event of a covered loss, we provide a pre-paid debit card that you can begin using right away to cover those additional, unexpected expenses. This eliminates the hassle of having to deposit a check and will allow you to withdraw the cash you need immediately upon activation. This is one of the many solutions we've put in place to improve the customer experience with Security First Insurance. 

This coverage provides protection if someone were to file a lawsuit against you, claiming you caused them bodily injury or damaged their property. Liability can protect you in situations that may be unforeseen, such as a friend twisting their ankle on a loose step. Liability coverage also covers certain defense costs—even if the lawsuit filed against you is false, groundless or fraudulent. 

Personal Liability (Coverage L) Limits: $100,000 - $500,000 

This coverage is paired with Personal Liability coverage to provide medical expense coverage to others (not living at your residence) who are injured on your property, or who incur injuries resulting from your personal activities

Medical Payments (Coverage M) Limit: $1,000 - $5,000 

Dwelling Fire Coverage for Condo Owners  

Many coverages have a minimum and maximum coverage amount (commonly referred to as "coverage limit"). Each of the coverage tabs below provide a basic overview of the coverage and the applicable coverage limits. 

Remember: Your condo association's insurance policy does not provide coverage for the interior of your unit and personal property. It is your responsibility to repair or replace your flooring, appliances and other interior features. 

This is coverage for property which is specifically your responsibility under your Condo-Owner’s Association Agreement. This includes items of real property permanently affixed to the unit that are not covered by the association's policy, such as flooring, and drywall. 

Coverage A Limits: $25,000 - $150,000 

This is coverage for your personal belongings located on or off your residence premises. Coverage C also provides coverage for your guest's personal property when items are located on the residence premises. 

Coverage C Limits: $15,000 - $200,000 

Important Tips about Coverage C: 

A Security First Dwelling Fire Owner policy also offers replacement cost coverage for your personal property. As you review coverage offered by other companies, check to see if replacement cost coverage is available. If you do not purchase replacement cost coverage for your personal property, items that are damaged in a covered loss will be valued using actual cash value. The actual cash value is calculated using current market pricing minus the depreciation for age and/or normal wear and tear. The actual cash value is usually less than the cost to replace the damaged item. 

If your condo becomes uninhabitable due to a covered loss, our policy provides coverage for the additional costs you or your family incur while you are living away from your condominium unit. This includes costs for a place to stay, food, and clothing. 

Coverage Limits: 10% of Coverage A 

Tip: Make sure you keep all your receipts. 

In the event of a covered loss, we provide a pre-paid debit card that you can begin using right away to cover those additional, unexpected expenses. This eliminates the hassle of having to deposit a check and allows our customers to withdraw cash immediately upon activation. This is one of the many solutions we've put in place to improve the customer experience with Security First Insurance. 

This coverage provides protection if someone were to file a lawsuit against you, claiming you caused them bodily injury or damaged their property. Liability can protect you in situations that may be unforeseen, such as a friend twisting their ankle on a loose step. Liability coverage also covers certain defense costs—even if the lawsuit filed against you is false, groundless or fraudulent. 

Premises Liability is the only available on Limited Liability for Corporation, Estates, and Trust for a Dwelling Fire Owner policy. Premises Liability provides the same coverage as personal liability for the insured structure. 

Coverage E Limits: $100,000 - $500,000 

This coverage is paired with Personal Liability coverage to provide medical expense coverage to others (not living at your residence) who are injured on your property, or who incur injuries resulting from your personal activities. 

Coverage M Limits: $1,000 - $5,000 

Optional Coverages 

We have several optional coverages that can be added to your Dwelling Fire Owner insurance policy. The optional coverages listed below are available in either one of our Dwelling Fire Owners’ programs. 

  • Aluminum Screened Enclosures & Carport
  • Identity Theft Protection & Monitoring
  • Personal Property Replacement Cost
  • Ordinance or Law
  • Personal Property Theft
  • Permitted Incidental Occupancy
  • Equipment Breakdown & Service Line Endorsements
  • Water Back Up and Sump Overflow
  • Golf Cart Liability
  • Computer Equipment Endorsement
  • Dog Liability Endorsement
  • Scheduled Personal Property

Tip: Check to see if these coverages are included in the insurance quotes you receive. By reviewing coverage carefully, you'll be able to make an accurate comparison, and decide which coverage options are best for you.