Dwelling Fire Insurance in Temple, Texas

What Is Dwelling Fire Insurance?

Dwelling fire insurance is property coverage designed for homes you own but don't occupy as your primary residence. Also called a DP-3 policy, this coverage protects rental properties, inherited homes, secondary residences, and vacant properties from fire, storms, vandalism, and other perils. For Temple property owners, dwelling fire insurance fills the gap when standard homeowners insurance doesn't apply.

Winkler Insurance helps landlords and property investors across Central Texas find affordable dwelling fire coverage from carriers that understand investment properties.

Why Temple Property Owners Need Dwelling Fire Insurance

If you own property you don't live in, your standard homeowners policy won't cover it. Here's why dwelling fire insurance matters:

• Homeowners insurance requires occupancy. Standard HO-3 policies are designed for owner-occupied homes only.


• Rental properties face unique risks. Tenant damage, liability claims, and longer vacancy periods increase exposure.


• Inherited properties need coverage. Homes you've inherited but don't occupy require specialized insurance.


• Secondary homes qualify. Vacation properties and seasonal homes fit dwelling fire coverage.


• Lenders require it. If you have a mortgage on investment property, coverage is mandatory.

What Does Dwelling Fire Insurance Cover?

A dwelling fire policy includes these protections:

Dwelling Coverage
Pays to repair or rebuild the structure if damaged by fire, wind, hail, lightning, or other covered perils.

Other Structures
Covers detached garages, sheds, and fences on the property.

Liability Protection
Covers legal fees and damages if someone is injured on your property and sues you.

Fair Rental Value
Reimburses lost rental income if the property becomes uninhabitable after a covered loss. Critical for Temple landlords.

Personal Property (Optional)
Can cover appliances and items you provide for tenants, like refrigerators or washers.

Dwelling Fire vs. Homeowners Insurance

The key difference is occupancy. Homeowners insurance covers your primary residence where you live. Dwelling fire insurance covers properties you own but don't occupy—rentals, second homes, or inherited properties. Dwelling fire policies often cost less because they don't cover the owner's personal belongings, but they provide essential protection for the structure and your liability exposure.

How Much Does Dwelling Fire Insurance Cost in Texas?

Dwelling fire insurance in Texas typically costs $800 to $2,000 annually depending on the property's value, location, age, and condition. Properties in Temple, Killeen, and Waco see competitive rates. Factors like roof age, prior claims, and proximity to fire stations affect your premium. Winkler Insurance compares quotes to find coverage that protects your investment affordably.

Why Work with Winkler Insurance?

Since 2006, Winkler Insurance has helped Central Texas property owners protect their investments with dwelling fire coverage. As an independent agency, we work with carriers experienced in rental and investment properties. Our Temple agents understand local property values and can recommend appropriate coverage limits.

Get a Dwelling Fire Insurance Quote in Temple, Texas

Our dwelling fire insurance agents serve Temple, Texas and surrounding areas including Belton, Harker Heights, Killeen, Copperas Cove, Troy, Waco, Round Rock, and Cameron. Contact Winkler Insurance today for a free quote.