Residential or commercial, a single unit or a full portfolio, we work with great carriers that understand landlord risk inside and out. Even your older properties can get the coverage they actually deserve.
Whatever your rental operation looks like, we have markets for it. We work with property owners and management companies across the full range of landlord profiles.
Single-family rentals, duplexes, quads, and multi-family units. Condos, townhomes, and ADUs. If someone lives there, we can cover it.
Office buildings, retail spaces, mixed-use properties, and warehouses. From a single storefront to a full strip center, we know this risk.
Own one investment property? We write dwelling fire policies, landlord liability, and loss of rent coverage tailored to small investors.
Dozens or hundreds of properties? Blanket policies and umbrella coverage make scaling simple. Add or remove units without redoing your program.
Landlord policies are written on "dwelling forms" (DP). The two most common are DP1 and DP3. The difference matters, and we help you pick the one that actually fits.
A basic dwelling policy that only covers damage caused by a specific list of named perils — typically around nine.* It's often the right choice for older properties or rentals that wouldn't qualify for broader coverage, and it's generally more affordable.
*The exact list of covered perils varies by carrier and policy form. We'll walk you through your specific coverage before you sign.
A special form policy that covers damage from anything unless it's specifically excluded. It's broader, stronger, and the form we recommend whenever a property can qualify. And yes, we have specialized carriers who will write DP3 coverage on older homes too, at full replacement cost.
Beyond the dwelling itself, we offer optional endorsements that round out a solid landlord program.
Coverage for sewer, drain, and sump pump backups. An inexpensive add-on that saves a lot of headaches.
Protects you against claims that arise from tenant negligence on the property. Optional but valuable on multi-unit operations.
Replaces lost rental income if a covered loss makes the unit uninhabitable. Keeps your cash flow intact while repairs happen.
We recommend landlords require tenants to carry their own renters insurance policy and list you as an additional insured on it. Make it a written requirement in your lease. It protects your interest, shifts liability for the tenant's belongings and activities off your policy, and can save both sides a lot of friction when a claim happens.
That's just one example of what we do beyond selling a policy. We offer guidance on best practices so you operate a smarter, safer, more profitable rental business.
As your portfolio grows, managing individual policies for every property becomes a nightmare. We partner with carriers who offer full blanket programs designed specifically for investors and management companies.
Add a new property mid-term? Sell one? It's a simple endorsement, not a whole new policy. Your coverage stays consistent, your premiums stay predictable, and your admin load drops dramatically.
Whether you're at 5 units or 500, we build a program that scales with you.
Tell us about your properties and we'll shop 50+ carriers to build a program that actually fits.
Start My Quote →