Personal Insurance
Specialty Dwelling Insurance
Insurance for Arkansas rental properties, vacant homes, seasonal homes, and older homes that a standard policy won't cover.
A standard homeowners policy is designed for a home you live in. If you own a rental property, a vacant house, a seasonal home, or an older home that's hard to insure, you may need a specialty dwelling policy instead, sometimes called a dwelling fire or landlord policy.
We represent several carriers that write these properties. We'll help you find coverage that fits how the property is used, whether that's a long-term rental, a home between tenants, or a family property you're renovating.
What Specialty Dwelling Insurance typically covers
Rental Properties
Helps cover the building, landlord furnishings, lost rental income after a covered loss, and landlord liability.
Vacant Homes
Coverage options for homes that are empty while being sold, renovated, or settled in an estate, which many standard carriers won't insure.
Seasonal and Vacation Homes
Options for second homes and lake houses, even when your primary residence is insured with a different company.
Older or Hard-to-Place Homes
Policies for older homes, homes where market value is well below rebuild cost, and homeowners who may not qualify for a standard policy.
Related coverage
Common questions
Will my homeowners policy cover a house I rent out?
Generally, no. Homeowners policies are built for owner-occupied homes. A rental property typically needs a specialty dwelling or landlord policy.
Can I insure a vacant home?
Yes, though vacant homes can be harder to place because they carry more risk. We work with carriers that offer vacant dwelling coverage and can help you find options.
Do my tenants need their own insurance?
Your landlord policy covers your building and your liability as the owner, not your tenants' belongings. Many landlords require tenants to carry renters insurance.
Ready to protect what matters with the right specialty dwelling coverage?
Tell us what you need covered and we'll compare carriers to find your best fit.