Rental Property

Whether you have 1 or 100 properties, we can create a package to fit your needs!

Scroll Down

Your property, your investment. Make sure you have the right coverage to protect it!    

Not all policies are created equal.


While it's true that many have similar baseline coverage, there are many subtle differences and package options that can make a big difference in the event of a claim.   

Things To Discuss With Your Agent:

  • Give your agent the "full picture." Discuss any other property you have, whether its rental, your personal home, or business property.

  • Make sure the coverage you're requesting is compatible with any existing coverage you have, including other lines of business.

  • If you have multiple rental properties, find out if placing them all on a single policy would be beneficial (Not available with all providers).

  • Discuss any personal property you may have inside your rental property.(furniture, appliances, etc). 

Common Rental Property Coverages:

  • Dwelling (Cov A)

    This is the portion of your policy that covers the actual structure (main house). The amount of coverage can be calculated on a Replacement Cost or Actual Cash Value (ACV) basis, depending on the policy type.


    There is a big difference between these two coverage methods, so it's important to know which one is appropriate for you. (For more information on Replacement Cost vs. ACV contact us)   

  • Other Structures (Cov B)

    This covers any structure on your property that is not permanently attached to your house, like fencing, driveways, sidewalks, and detached buildings like sheds and garages.


    Usually this coverage is 10% of whatever your Dwelling limit is, but can be increased if you need more coverage. Like the Dwelling, it can be calculated on a Replacement Cost or ACV basis. 

  • Personal Property (Cov C)

    This covers all of your personal belongings inside the property such as furniture & appliances. Like the Dwelling, it can be calculated on a Replacement cost or ACV basis, but might not be the same as the basis used for the dwelling. Not all rental policies contain this coverage, so it's important that you discuss it with your agent.

  • Loss Of Rent (Cov D)

    This reimburses you for fair rental value lost if your property becomes uninhabitable due to a covered loss

  • Personal Liability (Cov F)

    Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. Your personal liability coverage should be high enough to protect your assets, such as personal property, savings, and future wages, if you are sued.


    In some situations, an Umbrella policy may be necessary to provide extra coverage. (For more information on Umbrella policies, contact us).

Are you ready for a better insurance experience?

Contact us today for a consultation.

Request A Quote!