Rental properties are written on a Dwelling Fire Policy. A dwelling fire policy protects a home against specifically named perils. This means it will only cover losses resulting from a peril listed in the policy. If damage is caused by an event not listed in the policy, then there is no coverage for repair or replacement. There are three types of policies to choose from, Basic (or DP-1), Broad (or DP-2), and Special (or DP-3.)

Dwelling Fire Basic Form (DP-1):

• Fire or lightning
• Explosion
• Windstorm or hail
• Riot or civil commotion
• Aircraft
• Vehicles owned by others
• Smoke
• Volcanic eruption

Dwelling Fire Broad Form (DP-2): Provides coverage for the above perils under the Basic Form, in addition it will also cover:

• Collapse of building
• Vandalism and malicious mischief
• Accidental water damage from indoor plumbing systems
• Glass breakage
• Weight of ice, snow, or sleet
• Fall of trees and limbs
• Freezing of pipes
• Vehicles owned by insured

Dwelling Fire Special Form (DP-3): All of the above perils under the Basic and Broad Form:

• And any other causes of physical loss to the property

The Special Form is the broadest policy form available and the loss is covered unless the item is specifically excluded in the policy, such as flood damage.

Disclaimer: Our site contains general descriptions of the policies and coverages we provide. While you may use our site to help you understand the different types of coverages available, it does not describe all of the terms, conditions, limitations, or exclusion in your policy, nor does it modify or change any definitions expressly states in any contracts of insurance. Please read your policy contract fully to understand your coverage.

Contact one of our personal lines agents.

We will design cost-effective solutions and provide superior service... without exception.

Coverage cannot be initiated or changed by email or leaving a message, you must speak to an agent.

Street address: Klein Insurance Group, 702 N. High Point Rd, Suite 201, Madison, WI 53717-2283
Mailing Address: Klein Insurance Group, PO Box 45470, Madison, WI 53744-5470
Phone: (608) 831-9700 or (800) 643-6133 FAX: (608) 831-4777
Office Hours: Monday - Thursday 8:00-4:30 Friday 8:00-3:00