Thams Agency

Get Started Today!

(712) 263-3193

  • About
    • Our Mission
    • Meet The Team
    • Careers
    • Accessibility
  • Personal
  • Commercial
  • Resources
    • Blog
    • Thams Agency App
    • Contact Us
    • CSR24
    • MyWave Login
    • Referrals
homeowners insurance

Looking for Rental or Vacant Property Insurance?

If you own a rental property 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.

Thams Agency 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 Denison 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.

Have a great experience?

Online reviews help our agency tremendously. If you've had a great experience, we'd love your review!

Leave review

Ready to start your quotes?

We make the process super easy. When you're ready, click the button below to see how we can help you!

Yes, let's do it!

Visit Our Avoca Office

152 S Elm
Avoca, IA 51521
Get directions
712-343-6332
team@thamsagency.com

Visit Our Denison Office

1209 Broadway
Denison, IA 51442
Get directions
(712) 263-3193
team@thamsagency.com

Visit Our Des Moines Office

1501 Ingersoll Ave
#200
Des Moines, IA 50309
800-798-4325
team@thamsagency.com

Translate

Avoca Office

152 S Elm
Avoca, IA 51521
Get directions
712-343-6332
team@thamsagency.com

Connect With Us

  • Facebook
  • Instagram
  • LinkedIn
  • Twitter
PRIVACY POLICY

States We Serve

thams insurance

Denison Office

1209 Broadway
Denison, IA 51442
Get directions
(712) 263-3193
team@thamsagency.com

Like Us

Thams Agency

Des Moines Office

1501 Ingersoll Ave
#200
Des Moines, IA 50309
Get directions
800-798-4325
team@thamsagency.com

Translate

Copyright 2020 Thams Agency | Website by Advisor Evolved

Call Email Claims Payments
Translate »
Skip to content
Open toolbar

Accessibility Tools

  • Increase Text
  • Decrease Text
  • Grayscale
  • High Contrast
  • Negative Contrast
  • Light Background
  • Links Underline
  • Readable Font
  • Reset