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A Dwelling Fire policy covers more than just fire.

In fact, it covers the dwelling (Coverage A) for the same perils that are covered by the Homeowners policy. However, many of the coverages that are included on the Homeowners policy – such as Personal Property, Theft, and Liability – are optional on a Dwelling Fire policy. This allows you to customize the policy to better fit your needs and budget.

Because it doesn’t include certain coverages, the Dwelling Fire policy is most often used for rental properties and secondary residences.

What does a dwelling fire policy cover?

Under a standard Gulfstream dwelling fire policy, you’ll get coverage for:

  • Dwelling. This includes walls, roof, flooring, cabinets, countertops, etc. It also includes structures attached to the dwelling such as such as a porch, and interior elements like chandeliers and built-in appliances.

  • Other structures on your property. This includes storage sheds, fences, and detached garages.

  • Fair Rental Value reimburses you for lost rents in the event that a covered loss makes the rental unit uninhabitable.


    Additional Living Expense covers relocation costs and temporary living expenses, such as food and rent, if your home is damaged and you cannot live there while the damage is being repaired.

Homewoners Coverage

Additional coverages you may want to consider include:

  • Personal Property coverage

    Items owned by you, such as appliances and furnishings, kept in the dwelling.

  • Liability Coverage

    Protects your assets if a claim is made, or a suit is brought against you, for bodily injury or property damage to others caused in covered occurrences. It also covers legal defense costs in these cases.

  • Equipment Breakdown Coverage

    Adds coverage for your home equipment including appliances, computers, televisions, heating and cooling systems, swimming pool equipment and more.

  • Carports, Pool Cages and Screen Enclosures

    Adds coverage for losses due to wind/hail/hurricane for carports, pool cages and screened enclosures. Losses on these structures caused by wind/hail/hurricane are excluded under the standard policy.

  • Limited Theft Coverage

    Adds coverage for losses due to theft at your rental property.

By owning a rental property, you may be eligible for discounts and credits including:

  • Fire Alarm Discount
  • New Home Credit
  • Building Code Effectiveness Grading Credit
  • Windstorm Mitigation Feature Credits such as hip roof and hurricane shutters

Ready to get started with rental property insurance? Contact a Gulfstream agent for a quote today.

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Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state or area, and exclusions may apply.


Gulfstream insurance is available in the following states:

**Gulfstream is not writing new business in the states of Mississippi or Texas at this time.

Contact Us

Address for Gulfstream policy payments
& correspondence:

P.O. Box 100248
Columbia, SC 29202-3248

Customer Service: 866.485.3004, option 4
Insurance Claims: Flood Claims 888.481.1159 All other claims 866.485.3005

Flood Insurance Mailing Address

Find an agent. Get a quote for insurance.

Need assistance selecting the coverage that's right for you? Talk to one of our local agents.