Here we cover:
The house, or dwelling, at the insured location. This coverage amount can either determined by market value, or by completing a Replacement Cost Estimate.
Any structures not attached to the insured dwelling (e.g. detached garages, storage sheds, pole barns, mailboxes, fences).
Personal belongings of the insured owner. Limits on losses to certain types of property are set forth in the policy. *Personal property of tenants is not covered.
Coverage for a temporary residence or loss of rental income while the insured residence is uninhabitable due to an insured loss.
Provides coverage for any loss sustained to another person or their property where the insured is deemed negligent.
For injuries sustained at the insured location by another party, where the insured had no fault or negligence.
This is a specified amount that the insured must pay before the insurance company will pay a claim. It is simply deducted from the amount of the loss when a check is issued.
There are three different coverage forms available under dwelling fire insurance: Basic, Broad, and Special. The coverage form determines what perils are insured against and how losses are settled.
Basic form perils: fire, lightning, explosion, smoke, windstorm, hail, riot, civil commotion, aircraft, vehicles, vandalism, sprinkler leakage, sinkhole collapse, and volcanic action. Actual Cash Value settlement only.
Broad form perils: all of the basic perils plus falling objects; weight of snow, ice, or sleet; water damage (in the form of leakage from appliances); and collapse from specified causes. Replacement cost coverage is available by endorsement.
Special form perils: provides what is referred to as all risk coverage, or coverage for loss from any cause except those that are specifically excluded. Replacement cost coverage.
Some excluded events can be covered with the purchase of additional endorsements or policies, contact your agent with any questions.
*For precise language regarding what is covered under your dwelling fire policy, please read your specific policy form. The information compiled here was taken from sample Dwelling Form policies from the Missouri Department of Insurance and can be located at:
If any type of loss is sustained at your property, it is your duty to notify your insurance agent or company promptly.
Not all dwelling insurance is exactly the same. Many factors determine the price of insurance, including:
Dwelling fire insurance offers several policy forms that cover different perils and may have different loss settlement options. As an independent agency, Kasmann Insurance has the ability to compare multiple policies and choose the ones that work for your personal needs. Give Kasmann Insurance Agency a call to find the best dwelling fire insurance policy for you today!