Dwelling + Fire
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Dwelling + Fire Insurance
Dwelling and fire insurance protects your property against damage caused by covered events such as fire, smoke, lightning, windstorms, and more. It is designed specifically for property owners who may not need a full homeowners policy, including landlords, vacant property owners, or those with seasonal homes. At Prime Axis Insurance, we compare top-rated carriers to help you find reliable protection at competitive rates in Houston.
Whether you own a rental property, a vacant home, or a secondary residence, our dwelling fire policies provide the flexibility you need. We work with you to customize coverage based on your property type, usage, and risk level, ensuring your investment stays protected.
- Protection against fire, smoke, and lightning damage
- Coverage for rental and vacant properties
- Flexible policy options based on property usage
- Fast and easy application process
- Liability protection options available
- Bilingual support in English and Spanish
What does dwelling fire insurance cover?
Dwelling fire insurance typically covers the structure of your property against risks like fire, lightning, windstorms, and other named perils. Additional coverage options may include personal property and liability protection.
Who needs dwelling fire insurance?
This type of insurance is ideal for landlords, vacant property owners, or individuals with secondary homes who do not qualify for standard homeowners insurance.
What is the difference between dwelling fire and homeowners insurance?
Homeowners insurance covers both the structure and personal belongings for owner-occupied homes, while dwelling fire insurance focuses primarily on the building itself and is more flexible for non-owner-occupied properties.
Business and commercial insurance covers a broad range of risks including general liability, commercial auto, workers compensation, professional liability, cyber liability, and more. Our agents will assess your business operations and recommend the right combination of coverages to make sure you are fully protected.
In most states, including Texas, if you have employees you are required or strongly advised to carry workers compensation insurance. It covers employees injured on the job paying for medical care, lost wages, and rehabilitation while also protecting your business from costly lawsuits resulting from workplace accidents.
A Business Owners Policy, or BOP, bundles general liability and commercial property coverage into one convenient and cost-effective plan. It is ideal for small to medium-sized businesses. Our agents will help you decide whether a BOP is right for your business or whether individual policies would give you better protection.
Commercial Insurance Specialist
Harry Lower
Business Insurance Advisor