Single-Family Rental Insurance
Coverage for single-family rental homes.
Typical cost: $1,000 – $2,500 per year
Single-Family Rental Insurance
Single-family rental insurance protects landlords who rent out houses, townhouses, or duplexes. Coverage includes the dwelling, liability, and loss of rental income—but not tenant belongings, which require separate renters insurance.
DP Policies
Landlord policies are classified as DP-1, DP-2, or DP-3 depending on covered perils. DP-3 offers the broadest open-peril coverage for the dwelling. Most landlords should get DP-2 or DP-3 coverage.
What's covered
Dwelling Coverage
Covers the house structure against fire, storms, and other perils.
Liability Protection
Covers tenant injury claims and legal defense costs.
Loss of Rent
Replaces rental income while property is being repaired.
Other Structures
Covers detached garages, sheds, and fences.
Landlord Furnishings
Covers appliances and furnishings you provide.
Tips
- • Get DP-2 or DP-3 for comprehensive coverage
- • Require tenants to carry renters insurance
- • Consider umbrella policy for additional liability protection
- • Update coverage when making property improvements
- • Vacant property periods may have limited coverage
Other landlord insurance types
Multi-Family Rental Insurance
Insurance for duplexes, triplexes, and apartment buildings.
Commercial Rental Insurance
Coverage for commercial rental properties.
Short-Term Rental Insurance
Protection for Airbnb, VRBO, and vacation rentals.
Vacant Property Insurance
Coverage for unoccupied rental properties.
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