Property, liability, and lost-rent coverage for single-family rentals, duplexes, and small multi-units.
A standard homeowners policy will not cover a rental property. If you have moved out and started renting it, or if you bought a property explicitly to rent, you need a landlord (DP-3) policy. Most owners we talk to find this out at claim time.
Landlord coverage protects the structure, liability for tenant or guest injuries, and the rental income you lose if the property becomes uninhabitable after a covered loss. We add vandalism and equipment breakdown for owners of older Virginia housing stock, where the HVAC and water heater are the lines item that fail first.
If you own more than one rental, we write them on the same renewal cycle so the coverage stays consistent across the portfolio.
Send us your current declarations pages. We read them line by line and build your quote against the coverage you should actually have.
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