Rental dwelling
Coverage for the house and eligible attached or detached structures after a covered event.
Coverage for rental property owners
Landlord Insurance
Protect the rental property, income stream, and investment you are working to grow.
Coverage with local context
A rental home needs a different policy.
Once a property is tenant-occupied, the exposures change. A landlord policy can address the dwelling, certain other structures, liability, and lost rental income after a covered loss.
We help property owners think through location, occupancy, maintenance, lease terms, property condition, and coverage limits.
Phone (228) 875-8870Premises liability
Protection for certain injury or property-damage claims tied to ownership of the rental.
Loss of rents
Coverage may help replace rental income when a covered loss makes the property uninhabitable.
Helpful answers
Questions worth asking.
Can I use a home policy for a rental?
A standard owner-occupied home policy may not fit a tenant-occupied property. A landlord form is designed for the different exposure.
Does landlord coverage protect tenant belongings?
Tenant belongings are generally not covered. Requiring renters insurance can help tenants protect their property and liability.
What if the property is vacant during renovation?
Vacancy and renovation can change eligibility and coverage. Discuss the timing before work begins or a tenant moves out.