Dwelling Fire | Landlord Insurance

Request a Quote

If you own a home that you rent out, we can write a Dwelling Fire policy for you. This is essentially a homeowners policy for properties that you do not live in. Many times they are referred to as a “Lessor’s Risk”. Coverages include building and other structures. Landlord’s furnishings are not automatically covered and would need to be added if desired. Loss of rents is also another coverage that is essential. This coverage pays for your lost rental income if a tenant has to move out after a covered loss. Liability, including bodily injury, property damage, and medical payments, is often included, but sometimes could be “extended” by endorsement on your homeowner’s policy. Many of our companies offer an account discount if they also write your homeowners policy.

Don’t rent a house without it…

Being a landlord comes with well-known risks. From maintaining the property to managing tenants, landlords are exposed to potential lawsuits on a daily basis.

And if you’re ever found liable for someone who is injured on your property, or if you are required to pay for damage done to someone else’s property, it can end up costing you heavily.

Landlord liability coverage can help protect you for many of those risks.

What does Landlord Liability help cover?

Landlord liability coverage kicks in to help pay medical expenses for injured tenants, or legal defense and court judgments made against you for other damages, up to the limits stated in your policy. Coverage may include:

  • Tenant injuries 
  • Proper security for your tenants 
  • Unlawful behavior by tenants 
  • General Liability 
  • Fair Rental Value Coverage 
  • Inflation Protection 
  • Personal Injury Protection 
  • Lock replacement 

Discounts for Landlords

You may qualify for a discount on Landlord Insurance policies, including:

  • Multiple policies
  • New/renovated homes
  • And more

Worried about the cost?

Our Company specializes in covering local owners like you. We have everything you’ll need, including:

  • Monthly payment options 
  • Coverage of staff
  • Claims responsiveness 
  • Tailored coverage
  • Knowledgeable agents
  • Fast and simple

Why We're Different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

Contact us today, and we'll help you protect what matters most.