Dwelling Fire

Our dwelling fire policy offers more limited coverage than a traditional homeowner policy and is suitable for non-owner-occupied or rental properties.
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BenefitsHow it worksCoverage optionsWhat's coveredDiscountsClaimsResources


A dwelling fire policy provides coverage for damage or loss to a home and its contents caused by specific perils, such as fire, lightning, or smoke.

Unlike comprehensive homeowners insurance, it typically offers more limited coverage than a traditional homeowner policy and is suitable for non-owner-occupied or rental properties. The policy may include dwelling coverage for the structure, personal property coverage, and liability protection specifically selected by the policy purchaser. It’s always important to review policy terms and exclusions for an understanding of the extent of coverage.

Benefits. And the difference.

Affordable protection
Competitive rates for comprehensive property coverage.
Customizable Home Insurance
Tailor your homeowners insurance policy with coverage meeting your unique needs.
Fast and Reliable Claim Service
Experience caring support in times of loss, ensuring a smooth recovery process.

How it works. Start to finish.

Consult an Independent Agent
Connect with our network of skilled agents for personalized insurance advice.
Receive a Tailored Quote
Obtain a homeowners insurance quote that is customized to protect your home and belongings.
Enjoy Comprehensive Protection
Benefit from a policy that covers all your necessary home insurance needs, with options for additional coverages.
Get started
Find a Lilypad representative in your neighborhood.
Find an agent
Insurance coverages. Customize to your needs.
Loss of Rental Income
Property Damage
Optional coverage. Add it or not.
Take a look at coverage options you can add to your policy.
Optional coverage options graphic showcasing water slump coverage among other options available
Whats covered. And everything else.
  • Damage to a dwelling you own and rent to others.
  • Loss of rental income you might experience if your rental property is uninhabitable at fair rental value.
  • Other relevant coverages based on the Lilypad policy you purchased.
Not Covered
  • Intentional damage or criminal acts.
  • Natural wear and tear or maintenance issues.
  • Other specific exclusions according to Lilypad’s policy according to the Lilypad policy you purchased.
Discounts. Ways to save.
Lilypad Insurance has several available discounts for customers who protect their property against water, fire, and theft loss with alarm systems. TODO
Being claim free
Being claim free can save you up to 30%. For new or existing customers, being free of an insurance claim for three consecutive years can lower your premium significantly. Plus, Lilypad Insurance never considers weather or natural disaster claims (like a hurricane) when determining your premium.
Protective devices installed
Discounts may increase with the use of connected home alarm systems alert you to shut off water when a leak is detected or contact fire or police when you are unable to do so.
Home renovation
Every homeowner knows it’s important to properly maintain their home, especially as their property ages. Lilypad Insurance offers discounts of up 10% off for homes with recent renovations or updates to HVAC, roofing, electrical systems, and plumbing, helping customers reduce the overall cost of homeownership.'

Claims. Made simple.

Easy Claim Submission
Submit your claim by phone or use our on-line form.
Rapid Response You Can Rely On
Our dedicated claims team works to promptly address and resolve your claim.
Stay informed throughout the process
Regular Communication and Transparency from Start to Finish
Need to submit a claim?
Resources. And common questions.

Helpful links & materials

Frequently Asked Questions

Can I bundle my Dwelling Fire endorsements for a discount?

Absolutely, Lilypad “Lotus” and “Lotus Plus” package endorsements offer the most commonly selected endorsements at a savings.

What factors affect my Dwelling Fire Insurance rates?

Several factors including property location, size, and age can influence your insurance rates. Our agents can provide detailed information, specific to your individual home.