United Marine understands that a HO3 Homeowners policy may not always meet your needs. We offer Dwelling insurance to fit your needs in these cases.
Our Dwelling policy provides coverage for specific named perils. These perils are fire, lighting, explosion, windstorm, hail, riot or civil commotion, smoke, volcanic eruption, aircraft and vehicles owned by others. It is important to remember that a Dwelling policy is not as broad as the normal HO3 Homeowners policy. The HO3 policy covers all events unless specifically excluded.
Our Dwelling policy provides coverage on an Actual Cash Value basis in the event of a loss. This means we will pay the actual cash value for the home or other structures that are destroyed or damaged due to a covered loss. We also provide coverage for fire department service charges up to $500 and for reasonable repairs to prevent additional damage from a covered loss.
You can customize your policy with the coverages below.
Personal Property
Personal Liability
Burglary
Additional Living Expenses
Premises Liability for Rental Properties
Fair Rental Value Coverage