Keller National’s David Keller was featured in the Heights-Hillcrest Regional Chamber of Commerce’s member spotlight. The Heights-Hillcrest Regional Chamber of Commerce covers a six city region that includes, Cleveland Heights, Shaker Heights, South Euclid, Lyndhurst, University Heights, and Richmond Heights.

To learn more about why David loves what he does as well as his reasons for participating in the chamber along with his advise to event attendees, please visit the HRCC website at


There are a variety of insurance policies available for landlords who own one to four family homes. Some of these policies can be written on commercial insurance property policies, but more commonly, these policies are written on dwelling fire forms. The following breaks down the coverage parts of a dwelling fire insurance policy as well as some of the types of forms that are available.

Dwelling Fire 1 (DP1) and Dwelling Fire 3 (DP3) are the most widely used rental property insurance policies.

Dwelling Fire 1 policies are a named peril policy that typically cover riot, explosion, fire, lightening, volcanic eruption, smoke, hail, aircraft, and wind. Some carriers will allow vandalism and malicious mischief coverage to be endorsed onto the policy. These insurance policies are settled on an Actual Cash Value basis which is replacement cost minus depreciation.

Dwelling fire 3 forms are typically open peril policies, which means, whatever isn’t specifically excluded, is covered. The most common coverages that these policies give back is theft and water (Excluding Flood and Water Backup). These insurance policies are also settled on a replacement cost basis.

Refer to your insurance policy to understand what coverage you have on your rental property. To discuss and review your policies, contact us at 216-965-0646 or simply, request a quote.

Home Insurance Policies: Understanding Deductibles and Settlement Provisions

March 30, 2015

Many of us have received notifications from our insurance carriers that our policy deductibles have been modified. Understanding the policy deductibles and settlement provisions is critical. The following will give you a basic breakdown of what some insurance companies have implemented and how these changes can impact you at the time of a loss. 1. […]

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Better Safe Than Sorry. Why Everyone Should Consider Flood Insurance This Spring

March 18, 2015

The winter weather is passing and spring is knocking on our door. With this, the ice and snow of the winter begins to melt away and we begin to welcome the rain. Rivers and lakes begin to rise and sewer systems work overtime to remove the rain water. In the event that the water has […]

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NOACC Bright Star Awards Ceremony

November 8, 2014

Congratulations to Keller National’s David Keller who was the Recipient of the 2014 NOACC Brights Star Award for his work with the Heights-Hillcrest Regional Chamber of Commerce.

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Business Insurance Explained via III

October 3, 2014
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Boating Safety Tips

August 13, 2014

With the summer coming to an end, you’re probably considering hitting the water for some last minute fun on your boat. Here are a few tips to keep you safe while you are on the water: The Obvious One – Wear a life jacket! Be sure to have a designated person driving the boat Take […]

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Short Video: “The Claim Game: Home Insurance” Via III

July 20, 2014
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Press Release: Keller National is now Licensed to Offer Insurance Services in New Mexico

June 11, 2014

Keller National is now licensed to offer personal auto insurance, home insurance, and umbrella insurance in New Mexico. In addition to offering personal insurance services, Keller National is now offering business property and casualty insurance services in New Mexico as well. For more information on product availability as well as insurance carriers that we represent […]

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Keller National at the 2014 HRCC Business Expo

May 18, 2014

Some Photos from the Keller National exhibit at the 2014 HRCC Business Expo:

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