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Landlord / Rental Dwelling Insurance - Let us find your best coverage - protect your rental property and rental income
Landlord policies cover the rental building, lost rent after a covered loss and your liability as a property owner. Send us a few details and we will shop 50+ carriers for your best rate – no cost, no obligation. Prefer to talk? Call 800-616-3490.
Landlord / Rental Dwelling Quote Request
Applicant Information:
Have these handy
- Property address, year built and square footage
- Roof age and type, and heating / electrical updates
- Current declarations page
- Claims in the past 5 years
- Lease terms and monthly rent
Related coverage
Coverage details
What Landlord / Rental Dwelling coverage includes
A landlord policy, often called a dwelling fire or DP-3 policy, covers a home you rent to tenants. A standard homeowners policy is written for owner-occupied homes and may not respond if you rent the property. Landlord coverage protects the building, replaces lost rent after a covered loss, and covers your liability as a property owner.
- Dwelling - Repairs or rebuilds the home after fire, wind, theft and other covered losses.
- Fair rental value - Lost rent while a covered loss is repaired.
- Landlord liability - Tenant and visitor injuries on the premises.
- Other structures - Fences, sheds and detached garages.
- Landlord furnishings - Appliances and furniture you provide.
- Vacancy coverage - Coverage options for gaps between tenants.
Good to know: require tenants to carry renters insurance and keep a written lease on file.
Not covered: tenants' belongings, and short-term rentals unless endorsed.
Insurance Application:
Landlord / Rental Dwelling
Required forms
Landlord / Rental Dwelling Supplemental Application (PDF)
Landlord supplements (add any that apply)
Rental Property Umbrella (PDF)
Short-Term Rental (Airbnb / VRBO) (PDF)
Owner-Occupied 2-4 Family (PDF)
Vacant or Unoccupied Dwelling (PDF)
Download, complete and email to info@societiesinsurance.com, or attach them with your quote request. More options are listed below.
Contact details
Prefer to talk?
- Toll-Free: 800-616-3490
- East Coast: 706-550-4418
- West Coast: 206-755-0101
- info@societiesinsurance.com
- Mon-Fri 8:00am - 6:00pm, Sat 9:00am - 12:00pm
Landlord insurance explained
How landlord insurance works
Landlord policies are written for the risks of renting a home to someone else.
Dwelling
The rental home itself, against fire, wind and other covered losses.
Fair rental value
Lost rent while the home is being repaired.
Landlord liability
Injuries to tenants and visitors caused by conditions at the property.
Other structures
Fences, sheds and detached garages.
Landlord furnishings
Appliances and furnishings you provide.
Tenant damage
Some carriers offer coverage for vandalism by tenants.
DP-1 vs. DP-3: a DP-1 covers named perils at actual cash value and costs less. A DP-3 covers the building on an open-perils, replacement-cost basis. For most rentals, DP-3 is the better choice.
Pricing
What affects your landlord rate
Rating factors
- Age, construction and condition of the home
- Roof, plumbing, electrical and heating updates
- Location and weather exposure
- Number of units
- Long-term vs. short-term rental
- Claims history
Protect your investment
- Screen tenants and use written leases
- Require renters insurance with you as an interested party
- Inspect the property regularly
- Maintain smoke and CO detectors
- Address repairs promptly and document them
Renting on Airbnb or VRBO? Short-term rentals usually need a different policy than long-term rentals. See Short-Term Rental.
Rental property options
Find the right rental coverage
Start with the landlord application, then add coverage that fits your rentals.
Rental properties
Owner-Occupied 2-4 Family
Live in one unit and rent the others.
Get a quote Supplemental application (PDF)Single-Family Rental Portfolio (Long-Term)
Portfolios of long-term rentals.
Get a quote Supplemental application (PDF)Vacant or Unoccupied Dwelling
Homes between tenants or owners.
Get a quote Supplemental application (PDF)Liability and catastrophe
Rental Property Umbrella
Liability above your landlord policies.
Get a quote Supplemental application (PDF)This is a general overview. Coverage, availability and pricing vary by state, carrier and policy, and the policy itself controls. Questions? Call 800-616-3490.