Coverage for every kind of landlord.
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.
The lines of business landlords rely on.
Curious what each coverage actually protects? Explore real examples on our coverage guide.
General Liability
Protects your rental business from third-party bodily injury and property damage claims tied to your properties, such as a tenant or guest injury on the premises.
General LiabilityProperty Insurance
Covers the dwelling itself against damage from fire, wind, and other covered perils. Written on DP1 or DP3 forms depending on the property and how broad you need coverage to be.
Property InsuranceCommercial Umbrella
Extra liability sitting on top of your general liability and auto policies. When a claim exceeds your primary limits, umbrella coverage steps in to protect your personal assets.
Commercial UmbrellaCommercial Auto
If you or your staff drive between properties for maintenance, showings, or turnovers, a personal auto policy will not respond to a business-use claim. Commercial auto fills that gap.
Commercial Auto
From a single unit to a full portfolio.
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.
- Residential LandlordsSingle-family rentals, duplexes, quads, and multi-family units. Condos, townhomes, and ADUs. If someone lives there, we can cover it.
- Commercial LandlordsOffice buildings, retail spaces, mixed-use properties, and warehouses. From a single storefront to a full strip center, we know this risk.
- Single-Unit OwnersOwn one investment property? We write dwelling fire policies, landlord liability, and loss of rent coverage tailored to small investors.
- Full Portfolio OperationsDozens or hundreds of properties? Blanket policies and umbrella coverage make scaling simple.
Landlord General Liability.
If a tenant, guest, or delivery driver is injured on your property or someone claims property damage tied to the rental, landlord liability is what responds. We recommend every landlord carry it on each property, ideally with an umbrella stacked on top to protect your personal assets from a lawsuit that exceeds your primary limits.
The right form for the right property.
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.
DP1
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.
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Covers only the perils specifically listed on the policy
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Lower premiums, often a good fit for older or higher-risk dwellings
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Usually written on an Actual Cash Value (ACV) basis
*The exact list of covered perils varies by carrier and policy form. We'll walk you through your specific coverage before you sign.
DP3
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.
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Open perils covered unless the policy specifically excludes it
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Replacement Cost coverage, even on older properties with the right carrier
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Optional add-ons: water backup, tenant liability, loss of rent, and more
Customize your policy with the coverages that matter.
Beyond the dwelling itself, we offer optional endorsements that round out a solid landlord program.
- Water BackupCoverage for sewer, drain, and sump pump backups. An inexpensive add-on that saves a lot of headaches.
- Tenant LiabilityProtects you against claims that arise from tenant negligence on the property. Valuable on multi-unit operations.
- Loss of RentReplaces lost rental income if a covered loss makes the unit uninhabitable, keeping your cash flow intact while repairs happen.
Between tenants and short renovations.
Rentals don't stay occupied every day of the year. Whether you're in between tenants, doing a short renovation, or turning the unit over, we can extend coverage through those gaps so a vacancy doesn't become an exclusion. For longer-term empty properties, we also write dedicated vacant dwelling policies, just let us know the plan and we'll match the form to it.
Conexion tip: require tenants to carry their own renters insurance and list you as an additional insured. It shifts liability for their belongings and activities off your policy and saves both sides friction when a claim happens.
Blanket policies for growing portfolios.
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.
Landlord insurance, answered.
The questions we hear most often from landlords, straight from our team.
Let's protect your rental business.
Tell us about your properties and we'll shop 50+ carriers to build a program that actually fits.
Start My Quote →Disclaimer: The coverages, endorsements, and features described on this page are illustrative examples and may vary by carrier, state, and individual policy. Conexion Insurance Agency does not guarantee that any specific coverage, limit, or exclusion applies to your policy. Actual terms are governed solely by the policy issued to you please review your own policy documents carefully and contact us directly for specifics about your account.