Rental Property

Home & Property > Rental Property

We offer three programs for real estate investors and landlords who own residential property that they rent for occupancy to a tenant – basic or special form coverage for a house, and a separate program for manufactured housing.

Dwelling Property (DP) policies are ideal for rental property.  An alternative to a homeowner policy, these programs cover a residence housing one to four families.

DP-1 Basic Form, sometimes referred to as “residential fire” insurance, protects your property from damage caused by specified events, the “named perils.”

DP-3 Special Form offers broader protection.  While similar in coverage to a standard homeowner program, it is designed for the rental market.

Either program can be configured to let you accept short term rentals (under three months), making it well suited to protect rental property in popular vacation areas. 

We understand that a manufactured home is different.  Check our program specific for these homes.

In each program, the coverage is tailored to the needs of the owner.  Landlords should encourage tenants to purchase their own renters insurance policy to protect personal property and liability exposure.

These programs are not intended for a residence in which you live part-time and rent out part-time, or for rented condominiums or apartment buildings.

Rental Property

• Residential Program
• Manufactured Home Program