Landlord and renters insurance do different jobs. Landlord insurance protects you — the owner — while renters insurance protects your tenant's belongings and liability. Both matter, and we can help you set up either one (and encourage every one of your tenants to carry their own renters policy).
Why your homeowners policy won't work
Homeowners forms (HO-3, HO-5) assume the owner lives in the home. Once a property becomes a rental, most of those forms exclude losses — leaving you exposed on a claim you thought was covered. Rewriting to a landlord / dwelling-fire policy fixes the coverage gap and usually rebuilds it correctly for how the property is actually used.
What it covers
A DP-3 landlord policy typically covers the dwelling and other structures on an open-perils basis, the owner's liability for injuries on the property, and loss of rents while a covered claim is being repaired. We can add optional protection for appliances and furnishings you provide, vandalism by tenants, and equipment breakdown.
Short-term rentals & vacant homes
Airbnb / Vrbo hosts and owners between tenants need very different endorsements — and standard carriers often won't touch either one. We place these with specialty markets that write short-term-rental and vacancy exposures correctly, so a surprise claim doesn't turn into a coverage fight.
- Dwelling & other structures
- Landlord liability protection
- Loss of rents / fair rental value
- Vandalism & theft by tenants (optional)
- Short-term rental / Airbnb endorsements
- Vacant-property coverage