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Being a rental property owner isn't just about collecting monthly payments. It's an investment that involves constant risks: property damage, tenant issues, income loss, and legal liability. A standard homeowners policy can be void the moment you start renting — a dedicated DP-3 or landlord policy is essential.
What's Covered?
A clear breakdown of every protection layer included in your policy.
Dwelling & Other Structures
Covers the rental building, attached structures, and detached structures (garages, fences, sheds) on a Special Form (DP-3) basis — typically open peril.
Loss of Rental Income (Fair Rental Value)
If a covered loss makes the unit uninhabitable, reimburses the rental income you would have collected during repairs — typically up to 12 months.
Premises Liability
Protects you if a tenant, visitor, or contractor is injured on the property or sues over a property-related issue.
Optional Endorsements
Strengthen your protection based on your situation.
What Many Landlords Don't Consider
A traditional homeowners (HO-3) policy is NOT designed for tenant-occupied properties. Continuing to use it after renting can void your coverage entirely. Tenant-caused damage beyond normal wear, eviction-related losses, and lost income from non-payment are typically excluded — those need separate solutions.
Our Approach
We understand this is an investment. We help you protect your property, secure your income, and reduce legal risks.
Protect your property
Secure your income stream
Reduce legal risks
Ready to protect
what matters most?
As an independent agency, we compare multiple carriers to find the best coverage for your needs.