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RCU Insurance Services

 

Home > Home > Dwelling Fire Insurance | RCU Insurance Services - Santa Rosa, CA and Napa, CA

Coverage for
fire & more

Combining dwelling fire coverage with a good homeowners policy provides ultimate peace of mind.

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Dwelling fire insurance

When you purchase a home insurance policy, you may think you don’t have to worry about any accident or danger to your home. But in fact, basic home policies typically have common exclusions and limitations. Even covered perils such as fire come with limits, which is why dwelling fire insurance is an important consideration.

What is dwelling fire insurance?

Where most home insurance policies cover only listed incidents, dwelling fire insurance policies cover specific perils such as damages caused by smoke, lightning, explosions, theft, vandalism, and other weather damages such as wind. It can also cover belongings. This supplemental coverage is good for homeowners, renters, and rental property owners.

Rustic Divider

Protect your home
with insurance

Rustic Divider

Protect your property with dwelling fire insurance. Call us at (707) 576-5115 or request a quote so we can match you with the right policy to protect what matters most.

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Additional dwelling fire insurance questions

  • How much does dwelling fire insurance cost?
    The cost varies depending on your location, coverage limits, value of the home and other factors. Contact us to see if we can save you money.
  • Who should purchase dwelling fire insurance?
    Anyone who owns or rents a physical property should consider dwelling fire insurance. This includes homeowners, home or apartment renters, and landlords.
  • What’s the difference between a dwelling fire policy and a homeowners policy?
    The main difference is dwelling fire insurance offers limited coverage for personal items. But they’re similar, so please ask us about the best coverage for you.
  • Does dwelling fire insurance cover tenant damage?
    Accidental tenant damage caused by negligence is covered by many dwelling fire policies. Malicious damage may also be covered. But normal wear and tear is not.
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Have questions? Please call us toll-free at (866) 477-4225 or at (707) 576-5115.

  • Vehicle›
    • Personal Auto Insurance
    • RV & Boat Insurance
    • More Vehicle Insurance
  • Home›
    • Home Insurance
    • Renters Insurance
    • Dwelling Fire Insurance
    • More Home Insurance
  • Business›
    • Business Owners Insurance
    • Business Auto Insurance
    • Workers' Compensation Insurance
    • More Business Insurance
  • Additional Insurance›
    • Life & AD&D Insurance
    • Pet Insurance
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    • More Options
Meet Our Agents RCU Partnership Blog FAQ Contact Us Privacy Policy
Address 1205 N. Dutton Avenue
Santa Rosa, CA 95401

Phone Number Call Us (707) 576-5120 Toll Free 1 (866) 477-4225
Hours M-F: 9:00 a.m. - 5:00 p.m.
Vehicle Personal Auto Insurance RV & Boat Insurance More Vehicle Insurance
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Meet Our Agents RCU Partnership Blog FAQ Contact Us Privacy Policy
Address 1205 N. Dutton Avenue
Santa Rosa, CA 95401

Phone Number Call Us (707) 576-5120 Toll Free 1 (866) 477-4225
Hours M-F: 8:30 a.m. - 5:00 p.m.
©2025 All Rights Reserved. RCU Insurance Services is a wholly owned subsidiary of Redwood Credit Union. License no. 0D91054. NPN no. 7612227.