What Your Landlord Policy Actually Covers

A rental property is an investment — and a regular homeowners policy won't protect it.

The moment tenants move in, your risk changes: you've got the building, the liability, and the rental income all on the line.

Landlord insurance (often called a dwelling or DP-3 policy) is built for exactly that:

»  Dwelling — repairs or rebuilds the structure after a covered loss
»  Other Structures — detached garages, fences, sheds on the property
»  Liability — protects you if a tenant or visitor is injured on the property
»  Loss of Rental Income — replaces the rent you'd lose if the property becomes unlivable after a covered claim
»  Optional add-ons — vandalism, landlord contents, and more depending on the property

Whether you own one rental or a dozen, we'll build coverage that protects both the property and the income it generates.

How We Work

  • Shop 30+ Carriers

    We're independent, so we're not tied to one company. We compare rates and coverage across more than 30 insurers to find your best fit.

  • Review Your Coverage

    We make sure the building, your liability, and your rental income are all actually protected — not just the parts you thought about.

  • Ongoing Service

    Buy another property, change tenants, or have a question at renewal? Call us. Same team, every time.

Why Preferred for Landlord Insurance

Real Access

•  Call and reach a live, knowledgeable agent — no phone trees, no endless hold times. When you need us, we're here.

The Extra Mile

•  Multiple properties, an older building, a tricky tenant situation — the files other agencies find inconvenient are the ones we handle.

Advice, Not Just a Sale

•  We'll tell you whether loss-of-rent coverage is worth it for your situation, and how much liability you really need. Then you decide.

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Questions About Landlord Coverage?

Call us and talk to a real agent.

Mon–Fri 9AM–5PM

Frequently Asked Questions