Specialty Dwelling Insurance in Columbia, MO

What Is Specialty Dwelling Insurance?

Specialty dwelling insurance covers properties that don't qualify for a standard homeowners insurance policy — specifically, homes that are not owner-occupied. If you don't live in the property, a traditional homeowners policy excludes coverage, and you need a specialty dwelling policy instead.

Insurance Plus represents several carriers who can insure your rental property, vacant home, seasonal residence, or other specialty-use property. We'll help you find the right coverage at the right price.

When You Need Specialty Dwelling Insurance

Rental Properties — A specialty dwelling policy is the only type of coverage that works for rental properties. It provides coverages specific to landlords, like landlord furnishings and tenant liability, that aren't available on standard homeowners policies.

Vacant Homes — Vacant properties present unique risks including vandalism, squatters, and undetected damage. Most standard insurance carriers won't cover vacant properties at all. We have access to carriers who specialize in this type of coverage.

Seasonal & Vacation Homes — Many carriers require you to insure your primary residence with them in order to write a seasonal or vacation home policy. This isn't always possible, but we have options for standalone secondary property coverage.

What's Typically Covered