Protection for the Properties You Don't Live In

Dwelling fire insurance is designed for properties you own but don’t occupy—like rental homes, vacation properties, or vacant buildings. It provides essential protection against fire and other named perils, helping you protect your investment and keep your rental income secure.

At Jessica Ling Insurance, we help property owners get the right coverage for every type of home—even the ones they don't live in.

What We Cover:

Fire & Smoke Damage – Core protection for the unexpected, whether minor damage or a total loss.

Lightning, Wind, & Hail – Includes natural elements that could cause structural damage.

Vandalism & Theft (Optional) – Protects against intentional damage or loss if your property is unoccupied.

Liability Protection – Covers medical or legal expenses if someone is injured on the premises.

Loss of Rental Income – Helps recover income if your rental property becomes uninhabitable due to a covered loss.

Why Choose Us?

• Tailored coverage for landlords, property investors, and second homeowners
• Flexible policy options, whether it's tenant-occupied or vacant
• Affordable rates with local service you can count on
• Expert guidance to protect your real estate assets

Coverage Built for Landlords & Property Owners

Your rental or investment property deserves strong protection. With dwelling fire insurance, you can rest easy knowing you’re covered—rain or fire.