Personal / Specialty Dwelling

Michigan Specialty Dwelling Insurance

Not every property fits a standard HO-3. Vacation homes, seasonal cabins, rentals, and homes under renovation each carry exposures a regular homeowners policy won't cover. We match the right specialty form to your situation across Michigan.

What we do for specialty dwelling insurance clients

• The right form for the property — vacation, seasonal, rental (DP-1/DP-3), or renovation — we place the form that actually fits.
• Coverage for vacancy and seasonal use — handling the vacancy and occupancy issues that void standard policies.
• Landlord and rental options — dwelling-fire coverage with loss of rents for rental property.
• Multi-carrier shopping — we compare specialty markets for hard-to-place dwellings.

Properties we cover

Vacation and second homes, seasonal cabins and cottages, rental and tenant-occupied dwellings, homes under renovation or vacant, and other properties that don't fit a standard homeowners policy across Michigan.

What specialty dwelling insurance covers

• Dwelling — the structure on the form that fits its use (HO-3, DP-1, or DP-3).
• Loss of rents — rental income lost while a rental is uninhabitable.
• Liability — injury and damage claims tied to the property.
• Vacancy / seasonal handling — coverage written for homes not occupied year-round.
• Renovation / under-construction options — coverage during major work.

Common questions

Why can't I use a regular homeowners policy for a vacation or rental home?

Standard homeowners policies assume an owner-occupied primary residence. A second home, seasonal cabin, rental, or vacant property carries different occupancy and vacancy risks that a standard HO-3 may exclude — which is why a specialty dwelling form is the right fit.

How do I insure a rental property in Michigan?

Tenant-occupied property is written on a dwelling-fire form (DP-1 or DP-3) that covers the structure, loss of rents, and landlord liability — not the tenant's belongings, which they cover with renters insurance. We place the right landlord coverage for your rental.

Can you insure a vacant home or one under renovation?

Yes — vacant and under-renovation homes need specialized coverage because standard policies often limit or exclude vacancy. We have markets for vacant dwellings and for homes undergoing major renovation, including builders risk where appropriate.

What about a seasonal cabin or cottage?

Seasonal and second homes are commonly written on specialty forms that account for the months they're unoccupied. We match coverage to how and when you use the property so a winter vacancy doesn't leave you exposed.