Rental & Vacant Property Insurance (Specialty Dwelling Coverage)
If you own a rental property or an unoccupied home, a standard homeowners insurance policy is typically not sufficient. In these situations, you’ll need what’s known as a Specialty Dwelling Insurance policy. Traditional homeowners insurance is designed for owner-occupied homes and generally excludes properties where the owner does not reside. At Infinity Insurance, we work with multiple insurance carriers that specialize in covering non-owner-occupied and unique residential properties.

What Is Specialty Dwelling Insurance?
Specialty dwelling insurance is designed for properties that fall outside the scope of standard homeowners coverage. It provides protections tailored to the specific risks associated with rental, vacant, or non-traditional residential properties.

When Specialty Dwelling Insurance Is Required
There are several scenarios where specialty dwelling coverage is necessary:

Rental Properties
Rental homes require specialty dwelling insurance. These policies include landlord-specific protections, such as coverage for landlord-owned furnishings and tenant-related liability exposures that are not included in standard homeowners policies.

Vacant Homes
Vacant properties present higher risks due to lack of regular occupancy, which can increase the likelihood of unnoticed damage or vandalism. While many insurers avoid vacant properties, Infinity Insurance can help locate carriers willing to provide appropriate coverage.

Seasonal & Vacation Homes
Secondary or seasonal residences often require specialized coverage. Some insurers require the primary residence to be insured with them as well, which isn’t always practical. Specialty dwelling policies offer greater flexibility for these situations.

Older or Lower-Value Homes
Homes with older construction or market values significantly lower than replacement cost can be challenging to insure. Specialty dwelling policies are often the best solution for these properties.

Credit Challenges
If credit history prevents qualification for a standard homeowners policy, specialty dwelling insurance may provide an alternative path to coverage.

Homes Under Construction or Renovation
Properties undergoing major renovations, additions, or reconstruction may require specialty coverage until the work is complete and the home becomes owner-occupied.

How Infinity Insurance Can Help
At Infinity Insurance, we understand that every property presents different risks. Our team will evaluate your situation and connect you with the right specialty dwelling policy to protect your investment.To get started, call our office or request a quote online today. We’ll help you find coverage that fits your property and your goals with clarity and confidence.