Agent Portal: Travelers: Dwelling Fire (Form-3)

Included, Optional Coverage, Discounts

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Dwelling Fire Form 3 Contract

Dwelling Coverage, Other Structures, Personal Property, Special Limits, Loss of Use, Personal Liability, Medical Payments, Additional Coverage, Other Highlights, Available Deductibles

Dwelling Coverage

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  • Materials, supplies, and labor to repair the home in the event of a covered loss.
  • 10% of this rate covers other structures on the property.
  • 30% for loss of use or fair rental value.
  • All Risk.
  • Replacement cost.


  • Artificial electric current.
  • Flood.
  • Governmental Action.
  • War Damage.
  • Nuclear Damage.
  • Building Laws.
  • Mold, Fungi, or other microbes

Personal Property 

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  • Covers unscheduled personal property within the home.
  • This property is excluded: animals. Money, currency or bullion. Securities, deeds, or evidences of debt. Records, books of records or manuscripts. Motor or engine propelled vehicles or machines designed for movement on land, including attached machinery or equipment. Aircraft. Watercraft.
  • Certain Vehicles are covered (Must be non-registerable): Devices and equipment for assisting the handicapped. Power mowers. Golf carts. Vehicles or machines used for recreational purposes while located on the described location. Farm equipment not designed for use principally on public roads.

Perils Insured Against:

  • Fire and Lighting.
  • Sudden or accidental discharge of smoke.
  • Windstorm, Hurricane, or Hail.
  • Explosion.
  • Aircraft and Vehicles.
  • Riot and Civil Commotion.
  • Vandalism and Malicious Mischief.
  • Collapse of Building.
  • Accidental Discharge, Leakage or Overflow of Water or Steam. Does not cover the equipment that was damaged.
  • Breakage of Glass.
  • Falling Objects.


  • Artificial electric current.
  • Flood.
  • Governmental Action.
  • War Damage.
  • Nuclear Damage.
  • Building Laws.

Special Limits 

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Personal Property Special Limit in Form Maximum Limit
Jewelry, Watches, and Furs (Theft) $1,500 $6,500
Money $200 $1,000
Securities $1,500 $3,000
Silverware, Goldware, and Pewterware (Theft) $2,500 $10,000
Electronic Apparatus in or upon a motor vehicle $1,500 $6,000
Tapes, records, discs or other media in or upon a motor vehicle $250 $500
Personal Property on Watercraft $1,500 N/A
Personal Property on Trailers $1,500 N/A
Firearms (Theft) $2,500 N/A
Business Property $5,000 on

$1,500 away

Limit of property at other residences (Does not include property being repaired. Does not include property bought within 30 days) $1000 $1,500

Loss of Use

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  • Covers additional living expenses while the home is being repaired and if it is unlivable.
  • This can also cover fair rental value if you are losing rent due to a covered loss.

Personal Liability 

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  • Pays for damages the insured is legally liable to pay.
  • Provides defense at Traveler’s expense in court no matter what.
  • Up to $500,000 in liability available.

Additional Coverage:

  • Claims expenses
  • First aid expenses
  • Up to $1,000 for damage to another person’s property.
  • Loss Assessment


  • Intentional
  • Caused by War
  • Caused by a motor vehicle

Medical Payments

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  • Pays for the medical expenses you are legally liable to pay.
  • Within three years of the date of the accident.

Additional Coverage

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  • Debris Removal.
  • Improvements, alterations, and additions.
  • Reasonable repairs.
  • Property Removed.
  • Consequential loss.

Other Highlights 

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  • Online Services available. Phone app included.

Available Deductibles 

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  • Wind/Hail: 1%, 2%, 3%, 4%, 5%, and 10%.
  • All Peril: $500, $1000, $1500, $2500, $3500, $5000, $10000, $25000, $50000. 1%, 2%, 3%, 4%, 5%, and 10%.

Optional Coverage

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Exclusion of wind, hail, and hurricane coverage

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  • Can be excluded for a decrease in premium. Does not exclude loss of use coverage.
Replacement cost for personal property

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  • Adds replacement cost reimbursement for contents.
Additional Named Insured (Personal Property Only)

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  • Adds another named insured to the policy.
Residence Glass Coverage

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  • Adds coverage for unscheduled glass.
Loss Assessment Coverage

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  • Can be added at the limit of $1,000 with a $250 deductible. Helps with the cost to repair common areas the insured may be liable for after an assessment of damage.
Roof hail damage exclusion

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  • Can be added to decrease the premium. Hail damage to the roof is excluded if added. Usually added when the insured installs a hail resistance roof and they want the coverage.
Water Back Up Coverage


  • Added to protect against water back up. $5,000 limit with a $250 deductible.


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Protection Devices Fire

  • Fire extinguisher, smoke alarm, local fire alarm, central fire alarm, direct fire alarm, partial sprinkler system, full sprinkler system.


  • Deadbolts, local burglar alarm, central burglar alarm (Certification required), direct burglar alarm (Certification required), 24-Hour Security Guard.
Hail resistant roof
  • Will provide a credit if the roof is hail resistant. Certification is required. Damage to roof by hail excluded from the policy.
Age of Roof
  • The younger the roof the bigger the discount.
Green Discount
  • The discount is available for a residence that has received the Leadership in Energy and Environmental Design (LEED) certificate.
Loss Free Discount
  • Available if you are loss free for three years.
Home Buyer Discount
  • Available if you just purchased the home on or 12 months before the effective date.
Early Quote Discount
  • Available if the effective date is in the future. The farther out the bigger the discount.


Multi-Policy Discount
  • Available if you have any other policies with Travelers.


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