You may be wondering why a dwelling fire policy is necessary. Doesn’t your home insurance policy covers fire damage? You are correct, which is why dwelling fire insurance is designed primarily for property owners that use their property as a business, i.e. a landlord. In these instances, the property owner has little to no vested interest in the contents that reside within the dwelling as those are the property of those leasing the property.
Fire dwelling insurance is a policy that simply covers the shelter itself and perhaps a small amount to cover a limited amount of contents inside.