Elite Insurance Solutions

Corporate Office
(615) 371-5400

  • About Us
    • Why Elite Insurance
    • Meet Our Team
    • Join Our Team
    • Online Reviews
    • Client Referrals
    • Tips & Resources
  • Personal
  • Business
  • Quotes
  • Contact Us
    • General Contact
    • Service Center
    • Our Locations
  • Customer Portal

Specialty Dwelling Insurance

Looking for Rental or Vacant Property Insurance in Franklin?

If you own a rental property in Franklin 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.

Elite Insurance Solutions 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 Franklin 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!

Contact Info

Elite Insurance Solutions
1894 General George Patton Drive
# 200
Franklin, TN 37067
Get Directions
(615) 371-5400
info@myeliteis.com

Contact Information

Elite Insurance Solutions
1894 General George Patton Drive
# 200
Franklin, TN 37067
Get Directions
(615) 371-5400
info@myeliteis.com
  • Facebook
  • Instagram
  • Twitter

Quick Links

  • About Elite Insurance
  • Leave a Review
  • Insurance Carriers
  • Contact Us
trusted choice insurance agency in tennessee

Get the Elite Mobile App below!

Download Here
kentucky insurance company

© 2025 Elite Insurance. Website by MPoweredIT.

Skip to content
Open toolbar Accessibility Tools

Accessibility Tools

  • Increase TextIncrease Text
  • Decrease TextDecrease Text
  • GrayscaleGrayscale
  • High ContrastHigh Contrast
  • Negative ContrastNegative Contrast
  • Light BackgroundLight Background
  • Links UnderlineLinks Underline
  • Readable FontReadable Font
  • Reset Reset