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Specialty Dwelling Insurance

Looking for Rental or Vacant Property Insurance in Bellevue?

If you own a rental property in Bellevue or a home that happens to be vacant, a traditional homeowners insurance policy will not work.

You need what’s called a “Specialty Dwelling” insurance policy.

This is because traditional homeowners insurance excludes coverage for properties that are not owner-occupied.

In other words, if you don’t live in the house, it’s only covered by a specialty dwelling policy.

PCRG Insurance represents several carriers who can insure your rental property, or specialty use property.

Specialty Dwelling Insurance

There are multiple scenarios where specialty dwelling insurance is necessary:

Rental Properties — Specialty Dwelling insurance is the only type of policy that will work for a rental property.

There are certain coverages that you need as the owner of a non-owner occupied property that are only provided by a specialty dwelling insurance policy like for example Landlord Furnishings, and Tenant Liability.

Vacant Homes — vacant homes can present all kinds of problems which is why they can be extremely difficult to insure. Most insurance companies want nothing to do with a property that is vacant. We can help you though.

Seasonal & Vacation Homes — in many cases, in order to insure a secondary, seasonal, or vacation property, most companies require that you insure your primary residence with them as well, which isn’t always possible.

Older & Lower Value Homes — if your home is extremely old and/or the market value is considerably lower than the cost to rebuild it, many insurance companies may hesitate to cover it. Older or lower-valued properties present a number of problems, but we have access to specialty policies specifically for these types of homes.

Credit Problems — some homeowners might not have strong enough credit to qualify for a “standard” homeowners policy. When this is the case, specialty dwelling insurance is the alternative.

Homes Under Construction — in some situations your renovation, addition, or reconstruction project may require a specialty dwelling policy.

How to get started on your quote

If you live in Bellevue and have a property that fits these parameters, give us a call and we can quote your property to see who has the best product for you.

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PCRG Insurance
10900 NE 8th Street #1550
Bellevue, WA 98004
Get directions
(425) 243-5193
info@pcrginsurance.com
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Headquarters: Bellevue WA

10900 NE 8th Street #1550
Bellevue, WA 98004
Get directions
(425) 243-5193
info@pcrginsurance.com

Salt Lake City, UT

2651 W South Jordan Parkway #101
South Jordan, UT 84095
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(425) 243-5193
info@pcrginsurance.com

Seattle, WA

1601 Fifth Avenue Suite 2000
Seattle, WA 98101
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(425) 243-5193
info@pcrginsurance.com

Lake Oswego, OR

5335 Meadows Road Suite 350
Lake Oswego, OR 97035
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(425) 243-5193
info@pcrginsurance.com

Rocklin, CA

3845 Atherton Rd #5
Rocklin, CA 95765
Get directions
(425) 243-5193
info@pcrginsurance.com

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