No. Both are excluded and available separately. In high wildfire-risk areas, a FAIR Plan and DIC combination may be used for the structure.
Related FAQs
Loss of rental income coverage may help replace the rent you would have collected while the unit is repaired, subject to policy terms.
No. A landlord policy covers the building and your liability, not the tenant’s personal property. Many owners require tenants to carry renters insurance.
Landlord insurance is built for a property you rent to others and can include liability as an owner and loss of rental income, which a homeowners policy is not ...
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