Title: Specialty Dwelling Insurance
Author: Kevin
Published: February 7, 2016
Last modified: December 3, 2019

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#  Specialty Dwelling Insurance

## Looking for Rental or Vacant Property Insurance in Dublin?

If you own a rental property in Dublin or a home that happens to be vacant, a traditional
homeowner’s insurance policy will not work.

You need what’s called a “Specialty Dwelling” insurance policy.

This is because traditional homeowners insurance **excludes coverage** for properties
that are not owner-occupied.

In other words, if you don’t live in the house, it’s only covered by a specialty
dwelling policy.

Lovett Insurance Agency represents several carriers who can insure your rental property
or specialty use property.

## Specialty Dwelling Insurance

There are multiple scenarios where specialty dwelling insurance is necessary:

**Rental Properties** — Specialty Dwelling insurance is the only type of policy 
that will work for a rental property.

There are certain coverages that you need as the owner of a non-owner occupied property
that are only provided by a specialty dwelling insurance policy like for example**
Landlord Furnishings**, and **Tenant Liability**.

**Vacant Homes** — vacant homes can present all kinds of problems which is why they
can be extremely difficult to insure. Most insurance companies want nothing to do
with a property that is vacant. We can help you though.

**Seasonal & Vacation Homes** — in many cases, in order to insure a secondary, seasonal,
or vacation property, most companies require that you insure your primary residence
with them as well, which isn’t always possible.

**Older & Lower Value Homes** — if your home is extremely old and/or the market 
value is considerably lower than the cost to rebuild it, many insurance companies
may hesitate to cover it. Older or lower-valued properties present a number of problems,
but we have access to specialty policies specifically for these types of homes.

**Credit Problems** — some homeowners might not have strong enough credit to qualify
for a “standard” homeowner’s policy. When this is the case, specialty dwelling insurance
is the alternative.

**Homes Under Construction** — in some situations your renovation, addition, or 
reconstruction project may require a specialty dwelling policy.

## How to get started on your quote

If you live in Dublin and have a property that fits these parameters, give us a **
call or use the form below to get started.**

 * What would you like a quote for? Check all that apply:*
    -   Auto
    -   Home
    -   Condo
    -   Renters
    -   Rental Property
    -   Term Life
    -   Individual & Family Health
    -   Employee Group Health
    -   Business Owners Package
    -   Work Comp
    -   Motorcycle
    -   Boat & Jet Ski
    -   Umbrella
 * Primary Policyholder Name*
 *    First    Last
 * Your Phone Number*
 * Your Email*

 * How did you find our agency?*
    -   Google Search
    -   Facebook Page/Post
    -   Facebook/Instagram Ad
    -   Google Ad
    -   Customer Referral
 * Who referred you to us?*
 * Current Insurance Provider*
 * Date Quote Needed*
 *   MM slash DD slash YYYY
 * If you have any other questions, comments or requests, please leave them here,
   thank you!

#### Would You Like Us To Review Your Policies?

 * Are you a current client of our agency?*
    -   Yes
    -   No
 * What policy number(s) do you need help with if available?
 * |  |  [](https://www.lovettinsurance.com/personal/specialty-dwelling-insurance/void(0);?output_format=md)
   [](https://www.lovettinsurance.com/personal/specialty-dwelling-insurance/void(0);?output_format=md)
   |
 * What is the nature of your inquiry?*
    -   General Question
    -   ID Card Request
    -   Policy Change Request
    -   Discuss A Claim
    -   Certificate of Insurance
 * Describe your policy change request
 * What date do you need this policy change/request to take effect?*
 *   DD slash MM slash YYYY
 * Which vehicle do you need an ID card for (please enter year, make, and model)?
 * | Year | Make | Model |   | 
   |  |  |  |  [](https://www.lovettinsurance.com/personal/specialty-dwelling-insurance/void(0);?output_format=md)
   [](https://www.lovettinsurance.com/personal/specialty-dwelling-insurance/void(0);?output_format=md)
   |
 * Your Name*
 *    First    Last
 * Your Email*
 * Your Phone*
 * Please list the Additional Insured and/or Certificate Holder
 * Additional Insured and/or Certificate Holder Address
 *    Street Address   Address Line 2   City   State / Province / Region   ZIP /
   Postal Code
 * Details regarding your question, policy change, claim or other request:*

### Request Your Proposal Here

Are you ready to save time, aggravation, and money? The team at Lovett Insurance
Agency is here and ready to make the process as painless as possible. We look forward
to meeting you!

 [ Start Here ](https://www.lovettinsurance.com/quotes/?output_format=md)