A dwelling fire policy, often referred to as landlord insurance, is a type of property insurance that covers the structure of the building, like a house, It is typically not the owner’s primary residence, but a rental property, vacation home, cottage, and/or cabin. In recent years, Chattanooga and the surrounding areas have experienced 3 major tornado events. A significant number of people who had major damage to their home, found out the hard way that they did not have the protection/coverage they needed. We have never had an under insured loss at Stevens Insurance Associates, a fact that we are very proud of. Let us take a look at your landlord policy to see if you have the quality and quantity of coverages that you need for your dwelling.

Coverages include:

• Building and Contents
• Other Structures
• Additional Limits of Coverage on the rental structure
• Loss Settlement Options: (Replacement Cost, Agreed Value, Functional Replacement Cost)Building Ordinance or Law
• Loss of Rental Income
• Water Backup of Sewers or Drains
• Inland Flood
• Landlord Liability
• Umbrella Coverage for higher limits of liability

We insure:

• Homes
• Duplexes
• Triplexes
• Quadraplexes
• Small & Large Apartment Complexes

Discounts:

• Bundle policies with the same company (ie: home & auto) to benefit from discounts
• Higher Deductibles
• Multi-location Discount

Contact Us Today, so we can tailor a plan for you.