DP3 Rental Home Insurance Policy

The DP3 insurance policy is considered the best insurance policy for rentals in the United States. It is often referred to as the Dwelling Fire Form 3 or DP3 insurance. It provides excellent coverage for Landlords who are looking to get excellent insurance for their rental properties.


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DP3 Insurance is Best Suited for Rental Properties

The DP3 insurance is best suited for rental properties or non-owner occupied homes. In the past, many insurance companies used various DP products (like the DP3) to insure owner-occupied homes. In more recent years, the DP3 policy and other similar insurance policies have been used primarily to insure rentals, while HO products (like the HO3 and the HO5) have been used primarily to insure owner-occupied homes.

DP3 Insurance is All Risk Insurance

Dwelling fire insurance policies come in two different policy categories; named peril policies and open peril policies. The DP1 and DP2 are named peril policies, while the DP3 is an open peril policy. Named peril insurance policies are policies that specifically list the perils that are insured under the policy. Open peril policies, on the other hand, are insurance policies that cover all possible perils, with the exception of a small list of perils excluded from the policy.

Exclusions of the DP3 Insurance Policy

The DP3 insures all perils except for those specifically excluded from the policy. The following perils are the most common perils that are excluded from DP3 insurance coverage:

  1. Ordinance or law.
  2. Earth movement.
  3. Water Damage (some may be included in the policy).
  4. Power Failure.
  5. Neglect.
  6. War.
  7. Nuclear Hazard.
  8. Intentional Loss.
  9. Governmental Action.
  10. Mold (some may be included in the policy).

Although this list contains the most common perils not insured in a standard DP3 insurance policy, make sure to check with your agent and policy for any additional exclusion.

Overall, the DP3 policy is an excellent dwelling fire insurance policy and is one of the best non-owner occupied insurance policies on the market today.

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