Secure your passive income

with solutions built for real estate investors

Robust dwelling protection structured to defend your physical assets, tenant liabilities, and rental cash flow.

Without the risk.

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Rental Properties We Help Protect

  • Vacation Rentals

    Specialized short-term rental coverage for high turnover properties. Protects your structure, guest liability, and income against frequent occupancy shifts.

  • Single Family

    Complete protection for your standalone rental investments. Secures your dwelling structure, liability risks, and continuous cash flow between tenants.

  • Multi-Family

    Scalable risk management tailored for duplexes, triplexes, and apartment portfolios. Shields your entire physical asset and aggregated rental income.

Understanding Your Rental Property Coverage

Landlord insurance is built to safeguard your passive income and rental assets. Explore the core protections designed to eliminate liability blind spots and secure your real estate portfolio.

  • Loss of Rental Income

    What it is: Reimburses you for lost tenant rent payments while the property is completely unlivable and undergoing repairs after a covered disaster.

    Why you need it: If a major fire forces your tenants out, your monthly mortgage payments, property taxes, and HOA fees don't pause. This keeps your cash flow completely seamless while the property produces zero rent.

  • Liability

    What it is: Covers legal defense fees, settlements, and medical bills if a tenant or guest is injured on your rental property and sues you for negligence.

    Why you need it: A simple trip-and-fall on an uneven walkway or a loose stair railing can trigger a massive lawsuit. This shields your personal wealth, business assets, and rental equity from being wiped out.

  • Dwelling

    What it is: Pays to repair or rebuild the physical structure of the rental home, detached garage, or fences if damaged by a covered event like fire, lightning, or wind.

    Why you need it: Your rental properties represent significant capital. If a catastrophic kitchen fire ruins the unit, this provides the cash needed to rebuild without forcing you to pay out of pocket or default on your mortgage.

  • Personal Property

    What it is: Covers appliances left on-site for tenant use like refrigerators, stoves, washers, dryers, and lawnmowers if they are destroyed in a covered loss.

    Why you need it: As a landlord, you don't need a massive personal property limit, but you do need enough to replace expensive major appliances if a sudden disaster ruins the entire interior.

  • Equipment Breakdown

    What it is: Covers the sudden, accidental mechanical or electrical failure of major home systems like HVAC units, water heaters, and electrical panels.

    Why you need it: Standard insurance completely excludes wear and tear or mechanical failures. If a central AC unit or furnace short circuits and dies, this affordable add-on saves you from a sudden multi thousand-dollar emergency maintenance bill.

  • Ordinance Coverage

    What it is: Pays the extra cost to bring an older rental property up to current, modern building codes during a major repair or rebuild after a loss.

    Why you need it: If your rental property was built decades ago, local laws will require modern wiring, plumbing, or roofing standards when you rebuild. Standard policy limits won't pay for these mandated upgrades; this card covers the difference.

  • Non-Owned & Tenant Liability (Vandalism)

    What it is: Protects your physical structure and cash flow if a tenant intentionally vandalizes, trashes, or destroys your property out of malice.

    Why you need it: While sudden accidental damage is covered, intentional damage caused by an angry tenant who is facing eviction is heavily restricted or excluded on base forms. This guarantees your rehab costs are covered.

  • Short-Term Rental Endorsement

    What it is: Modifies a standard long-term landlord policy to explicitly cover frequent guest turnover, platform liability, and theft for properties listed on Airbnb or VRBO.

    Why you need it: Standard landlord insurance assumes stable, 12-month leases. If you rent your property on a short-term basis without this specific endorsement, the carrier can completely deny property and liability claims.

  • Water Backup & Sump Pump

    What it is: Pays for the toxic cleanup, professional drying, and structural repair if a main sewer line clogs or a building sump pump fails, sending water backing up into the property.

    Why you need it: Standard landlord policies completely exclude water backup. Multi-story rental units or properties with finished basements face massive financial exposure if a sewer line backs up through the plumbing drains.

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We’ll help make sure your coverage & discounts are working together.

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Every Property Is Different

Ownership structure, property size, tenant types, and business activity all impact which type of coverage fits your risk. Explore the guidelines below to see where your investments align.

  • Residential Landlord

    Often a good fit for:

    • Single-family rentals

    • Duplexes, triplexes, and fourplexes

    • Individual investors or small residential portfolios

    • Standard LLC-owned rental properties

    Designed specifically to protect standard residential rental exposures, premises liability, and passive rental cash flow.

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  • Commercial Property

    May be better suited for:

    • Large multi-family apartment buildings (5+ units)

    • Mixed use commercial and residential properties

    • Complex corporate or institutional rental operations

    • Highly structured corporate or multi-member entity ownerships

    Built to manage broader commercial exposures, business entity liability, complex operational risks, and larger capital investments.

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When Standard Coverage May Not Be Enough

  • FLOOD INSURANCE

    Standard home policies don’t cover rising water. Whether it’s a sudden flash flood, overflowing local waterways, or severe storm runoff, dedicated flood protection safeguards your structural framework and personal property from devastating water damage.

  • EARTHQUAKE COVERAGE

    Ground shifting is explicitly excluded from standard insurance. Protect your home investment against tectonic movement, tremors, and seismic shifting. This essential coverage ensures you have the massive funding needed to rebuild if the ground moves

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Tell Us About Your Needs

02
Review Coverage Options

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Choose Your Solution

  • BUILT AROUND YOU

    We design custom portfolios tailored to your specific lifestyle and risks, rather than forcing you into a cookie-cutter policy.

  • REALIABLE SERVICE

    Skip the automated phone trees. Enjoy direct access to a local, trusted advisor who proactively manages your protection.

  • ZERO GUESSWORK

    Insurance shouldn't be a mystery. We break down the complexities, so you fully understand your coverages and exclusions.

  • REAL OPTIONS

    As an independent brokerage, we leverage our network of top carriers to secure premium protection at competitive rates.

Frequently Asked Landlord Questions

  • It depends entirely on intent. Sudden, accidental damage caused by a tenant (like an accidental kitchen grease fire) is fully covered by your property protection. However, gradual wear-and-tear or intentional, malicious vandalism is typically excluded unless you add a specialized tenant vandalism endorsement.

  • Yes, and you absolutely should write this directly into your lease agreement. Requiring renters insurance shifts the financial burden of replacing their personal belongings and handling their personal guest liabilities away from you, keeping your own claims history perfectly clean.

  • Yes. A standard homeowners policy requires owner occupancy. The moment you move out and rent the property to a tenant, a regular homeowners policy becomes completely void. You must transition to a dedicated landlord policy (DP-3) to ensure your property claims are legally paid.

  • Standard policies do not cover the legal costs of an eviction or a tenant simply failing to pay rent. However, if a covered physical disaster (like a fire) forces your tenants out, your Loss of Rental Income coverage will step in to replace your continuous monthly rental cash flow during repairs.

  • Yes. In fact, insuring your rental properties under a registered LLC is a highly recommended practice for asset protection. As an independent brokerage, we match you with premium carriers that specialize in naming corporate entities, partnerships, and multi-member LLCs as the primary insured.

  • Completely. Standard landlord insurance is strictly underwriting 12-month lease risks. If you use platforms like Airbnb or VRBO without a specific short-term rental endorsement, your carrier can legally deny your property and liability claims due to frequent guest turnover.

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