Chapter 5: Standard Fire Policy Copy

An individual will purchase a Texas Dwelling Policy when a homeowner’s insurance policy is not available.

This usually occurs when:

• A person owns a dwelling and rents it to others.
• Homeowner insurance insurers find that the risks of insuring the dwelling are unacceptable.
• The dwelling is classified as a seasonal dwelling.

The Texas Dwelling Policy is a contract that provides a variety of property coverages for associated risks. The Texas Dwelling Policy has less coverage than the Homeowner’s policy and does not provide liability coverage. ALSO KNOWN AS THE STANDARD FIRE POLICY.s