Insurance for rental property owners

Protect the property.
Preserve the income.

Q: What's the difference between DP-1, DP-2, and DP-3?

They're the three dwelling fire policy forms landlord insurance is written on — think basic, better, best. DP-1 covers a short list of named perils at depreciated value. DP-2 covers a broader named list. DP-3 covers everything except what's specifically excluded, usually at full replacement cost. Most modern rentals belong on DP-3.

Q: I own several rentals. Do I need a separate policy for each one?

Usually not — portfolio and blanket programs put multiple properties on one policy with one renewal date and shared limits, and they typically price better than a stack of individual quotes.

Straightforward landlord insurance for long-term rentals, short-term stays, and growing portfolios — quoted across multiple carriers.

See your estimated price in seconds

See what’s covered

Built around the risks homeowners insurance was never designed to handle.

Independent brokerWe shop carriers — not the other way around

Rental-firstLong-term, Airbnb/VRBO & vacation homes

One to manyFrom a first rental to a growing portfolio

Plain EnglishClear options without insurance-speak

The protection stack

Three layers between a setback and your bottom line.

Property protection

The dwelling and other structures — walls, roof, garage, fences — against fire, wind, and most sudden losses, at replacement cost on modern rentals (the “open-peril DP-3” form, if you like fine print).

Explore dwelling coverage →

Landlord liability

A tenant, guest, or vendor injured on the property — legal defense and judgments, $300K to $1M+, with umbrella options above that.

Understand liability →

Loss of rents

The rent keeps arriving while a covered loss keeps tenants out — sized to your actual rent roll or documented booking revenue.

Protect rental income →

Plus the endorsements that earn their premium where they fit: water backup, equipment breakdown, ordinance & law, service line.

The coverage most landlords miss

A kitchen fire empties your rental for five months. Who pays the rent?

It’s the question that separates real landlord insurance from the homeowners policy too many rentals still sit on. Homeowners insurance may rebuild the kitchen — it will not replace a single month of the rent you lose while contractors work.

Loss of rents coverage reimburses the income stream itself, and it’s often optional even on landlord policies. We make sure it’s on the quote — and sized to your actual rent roll.

Homeowners policyNo rental income coverage. Ongoing rental use may void the claim entirely.

Platform protection (AirCover / Vrbo)Goodwill damage programs — not regulated insurance, no income replacement guarantee.

Landlord policy + loss of rentsRent reimbursed for the covered downtime — lease income or documented booking revenue.

Your rental is not generic

Choose the lane that fits the property.

The single most expensive mistake in rental property insurance is carrying the wrong type. A year-lease duplex, a weekend Airbnb, and a ten-property portfolio need different coverage — and carriers deny claims when the policy doesn’t match the use.

Annual leases

Long-Term Rental

Single-family homes, condos, duplexes, and small multifamily rented to year-round tenants.

Open-peril dwelling coverage — the broadest form
Loss of rents while the unit is uninhabitable
$300K–$1M premises liability

Explore long-term coverage → Airbnb · VRBO · Vacation

Short-Term Rental

For hosts. AirCover is a goodwill program, not an insurance policy — and carriers exclude undisclosed STR use.

Guest-caused damage & theft — accidental or not
Host liability for guests, cleaners & contractors
Lost booking income after a covered loss

Explore Airbnb/VRBO coverage → Investors · 2+ properties

Rental Portfolio

For investors scaling up. One policy across the whole portfolio usually beats a stack of one-off quotes.

Blanket & master policies for multiple properties
One renewal, one deductible strategy, mixed states OK
LLC & trust ownership structured correctly

Explore portfolio coverage →

Property sitting empty or under renovation? Vacancy changes eligibility and coverage — that’s its own policy type. Visit our dedicated site VacantHomeInsurance.com or call us and we’ll route it right.

Wherever you are in the landlord journey

First rental or fiftieth — we speak both.

New to renting out property

Your first rental?

Just converted your old house into a rental, or closed on your first investment property? Everything changes the day a tenant moves in — including what your homeowners policy will pay for (mostly: nothing).

Plain-English guide — no agent-speak
The three coverages that actually matter first
What to tell your lender (and your old carrier)

Start with the beginner’s guide → Property managers & investors

Managing at scale?

You already know the coverage. What you want is execution: portfolio markets most agents can’t reach, certificates issued fast, and ownership entities set up right the first time.

Direct access to blanket & master programs
LLCs, trusts & additional insureds handled correctly
One broker for the whole book — mixed states OK

Talk portfolio with us →

Transparent pricing

“Cheap,” explained honestly.

Landlord insurance typically runs 15–35% above a comparable homeowners policy — the carrier is taking on tenant risk. “Cheap” doesn’t come from thinner coverage. It comes from making carriers compete, and pulling the levers that actually move premium.

Typical scenario	Annual range
Single-family, long-term tenant, low-risk state	$900 – $1,400
National average, long-term rental	$1,300 – $1,800
Short-term rental / Airbnb (varies by bookings)	$1,800 – $3,500+

How we get the number down

Multiple carriers, one application. We’re a broker — your property gets shopped, not slotted.
Deductible strategy. Rentals can carry higher deductibles than a primary home — often the single biggest saving.
Portfolio pricing. Two or more properties? Blanket and portfolio policies beat one-off quotes.
Risk credits. Newer roof, water sensors, documented tenant screening — carriers pay you back for being a good landlord.

The landlord library

Make the policy make sense.

Complete guide

Questions landlords ask

Clear answers before the quote.

Does my homeowners insurance cover a rental property?

In most cases, no — not for ongoing rental activity. Homeowners policies are built for owner-occupied homes. Once tenants move in, many carriers require a landlord (dwelling fire) policy, and an undisclosed rental can give the carrier grounds to deny a claim outright.

Is landlord insurance required?

Not by state law — but if there’s a mortgage on the property, your lender almost certainly requires it. And even free-and-clear, an incorrectly insured rental is the most expensive kind of savings.

Isn’t Airbnb’s AirCover enough for my short-term rental?

No. AirCover for Hosts is a goodwill damage program run by the platform — not a regulated insurance policy. It excludes normal wear, mold and gradual water damage, many liability scenarios, and it offers no guaranteed income replacement. A true STR policy covers the property, your liability, and lost booking income.

Is loss of rental income automatically included?

Not always — it’s often optional, and it’s the one coverage a landlord actually feels within weeks of a loss. We include loss of rents on every quote and size it to your real rent roll or documented booking revenue.

What’s the difference between DP-1, DP-2, and DP-3?

They’re the three “dwelling fire” policy forms landlord insurance is written on — think basic, better, best. DP-1 covers a short list of named perils at depreciated value. DP-2 covers a broader named list. DP-3 covers everything except what’s specifically excluded, usually at full replacement cost. Most modern rentals belong on DP-3.

I own several rentals. Do I need a separate policy for each one?

Usually not — and separate policies are often the expensive way. Portfolio and blanket programs put multiple properties on one policy with one renewal date and shared limits, and they typically price better than a stack of individual quotes. This is a specialty market we work with directly.

Two minutes. Instant indication.

Let’s protect what the property produces.

Enter your rental address and get an instant landlord-insurance price indication — right now, no waiting for a callback. Prefer to talk it through? Call 858-295-7242.

858-295-7242