Rental property insurance. Because your tenant’s policy is not yours.

Tenant insurance protects the tenant. The building, your appliances, the rent you lose after a fire and the liability for the stairs are all yours. A landlord policy covers them; a home policy does not.

Before you buy

What this policy does, and what it will not do.

What we write in
✓The building and attached structures
✓Landlord contents: appliances, window coverings
✓Loss of rental income after a covered loss
✓Landlord liability
✓Vandalism by tenants, when added
What it will not do
✕Your tenant’s belongings
✕Vacancy over 30 days without notice to the insurer
✕Short-term rentals unless declared
✕Wear and tear, and gradual damage
Who this is for

Three ways people hold this policy.

Single suite or house
One rental, one policy, priced against the rent it earns.
Multi-family
Duplex to walk-up. Building, common areas and full rent roll.
Short-term rental
A different risk and a different policy. Tell us.
What moves the price

Five things the insurer looks at.

01
Rebuild cost of the building
02
Number of units and monthly rent
03
Age of roof and systems
04
Tenant screening and lease terms
05
Deductible
Straight answers

Rental Property Insurance questions we hear most.

All FAQs→

No. Tenant insurance covers the tenant’s belongings and liability. The building, your contents and lost rent need a landlord policy.

Yes, and you should. Write it into the lease. It protects them and reduces claims against your policy.

Most policies allow 30 days. Longer than that, call us and we will add a vacancy permit so coverage continues.

A quote takes two minutes.A callback, the same business day.

Pick the coverage, answer a short set of questions, and a licensed broker in Delta calls you back with real numbers.