Rental & Investment Property Insurance
Coverage designed for homes and residential properties you own but do not occupy as your primary residence.
Personal Insurance
Protection Built Around Real Life
A property used as a long-term rental or investment has different risks than an owner-occupied home. Landlord or dwelling coverage can help protect the structure, certain property you provide, liability exposures, and other risks tied to owning rental real estate.
What This Coverage Can Help Address
- The rental dwelling
- Other structures when applicable
- Landlord-owned property used to service the rental
- Premises liability exposures
- Loss-of-rent or fair-rental-value options when available
Who Should Consider It
Does This Fit Your Situation?
Owners of single-family rentals, duplexes, small residential investment properties, and homeowners converting a former residence into a rental.
Common Questions
Rental & Investment Property Insurance FAQs
Can I keep a normal homeowners policy when I rent out the house?
A standard owner-occupied homeowners policy may not be appropriate once the property becomes a rental. The correct policy depends on how the property is occupied and used.
Does landlord insurance cover the tenant’s belongings?
Generally, no. Tenants typically need their own renters insurance for personal property and personal liability.
What if I only rent the property occasionally?
Short-term and occasional rental use can create different coverage issues. Tell your agent exactly how the property is used so the policy can be evaluated correctly.