Dwelling Insurance

A dwelling insurance policy is provided to cover homes that are occupied by someone other than the owner, such as a tenant. A landlord policy typically includes dwelling coverage and liability coverage.


Important things that you need to know about Dwelling Insurance:

  • If you are purchasing a home or condominium as an investment to be rented out to others, you need to obtain a dwelling policy instead of a homeowner’s policy.

  • A dwelling policy provides coverage to the structure but does not provide personal contents coverage of the tenant or personal liability coverage for the tenant.

  • It is a best practice to require a tenant to have renter’s insurance. A renter’s policy would provide coverage for their personal contents as well as their personal liability.

  • Some dwelling policy exclusions may include, but are not limited to theft, weight of ice, snow, or sleet, accidental discharge, loss caused by birds, vermin, rodents, insects or domestic animals. Coverage can be added back for these items by endorsement or upgrading to a broader policy form.

  • A full replacement cost dwelling policy is available and will provide full replacement of the structure versus actual cash value.

  • Owners can add liability coverage to their primary homeowner’s policy and extend coverage to any other investment properties.


Swingle, Collins & Associates specializes in dwelling policy personal property and casualty insurance coverage in Dallas, Southlake, Highland Park, and Plano for affluent families and high net worth individuals. The descriptions of dwelling policy coverage listed on this website are brief and subject to the provisions, limitations, and exclusions that can only be expressed in your policy and related endorsements. For additional information of how Swingle, Collins & Associates can assist in meeting your coverage needs for property and casualty insurance please contact your dedicated risk manager to discuss the benefits and services of personal homeowners insurance coverage.

The information contained on this page is provided for informational and educational purposes only. It contains general information on insurance issues and may not reflect the most current developments in insurance coverage and is unlikely to apply in all factual scenarios. The information does not include all the terms, coverage, exclusions, limitations or conditions that may be contained in the actual insurance contract language. The policies themselves must be read for those details. Sample policy forms will be made available upon reasonable request.