3103 Breckenridge Ln
Louisville, KY 40220
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Proudly Serving a five-state area!

Homeowner’s vs Dwelling Insurance: What You Need to Know

When it comes to insuring your property, there are many different types of insurance policies to choose from. Two common options are homeowner’s insurance and dwelling insurance. While they may seem similar, there are important differences between the two. In this blog post, we’ll explain the differences between homeowner’s and dwelling insurance and let you know that you can get both types of coverage from Palacio Miller Agency.

Homeowner’s Insurance

Homeowner’s insurance is a type of insurance that provides coverage for your home and personal belongings. It typically includes coverage for damages or losses caused by events such as fire, theft, or natural disasters. It may also include liability coverage, which protects you in case someone is injured on your property.

One important thing to note about homeowner’s insurance is that it usually includes coverage for your personal belongings, such as furniture, clothing, and electronics. It also includes coverage for additional living expenses if you’re forced to temporarily relocate due to a covered loss.

Dwelling Insurance

Dwelling insurance, on the other hand, is a type of insurance that covers only the structure of your property, not your personal belongings. It’s often used for properties that are rented out or not occupied full-time, such as vacation homes or rental properties.

Dwelling insurance typically covers damages or losses caused by events such as fire, lightning, hail, or wind. It may also include liability coverage, but it does not include coverage for personal belongings or additional living expenses.

At Palacio Miller Agency, we understand that each property is unique and has different insurance needs. That’s why we offer both homeowner’s and dwelling insurance to our clients. Whether you’re a homeowner looking for comprehensive coverage for your property and belongings or a landlord looking to protect your rental property, we’ve got you covered.

Our experienced insurance agents can help you determine the right type and amount of coverage for your property and budget. We can also provide you with valuable insights and tips on how to prevent losses and keep your property safe.

In conclusion, understanding the differences between homeowner’s and dwelling insurance can help you make an informed decision about which type of coverage is right for you. And at Palacio Miller Agency, we can provide you with both types of coverage and help you find the best possible rates. Contact us today to learn more about our insurance products and services.


  1. We are locally owned and operated!

  2. We provide coverage through multiple carriers!

  3. We can combine coverage to save you money!

  4. We offer friendly customer service!

  5. You have 24-hour access to your policy info!


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