Insurance for rental properties and income producing real estate.

Insurance questions, answered.

1. What's the difference between landlord insurance and homeowners insurance?

Homeowners insurance is built for the home you live in. It usually won't fully cover a rental — and in some cases will deny a claim outright because the property isn't owner-occupied. Landlord insurance (also called rental dwelling or DP-3 coverage) is built for the way investors use property: tenant-caused damage, liability when someone is injured on the premises, and lost rental income when a covered loss takes the unit offline. If you're renting it out, you need a landlord policy.

2. Do I need a separate policy for each rental property, or can they go on one schedule?

Both are possible. Single-property investors typically run individual policies. Once you're at three or more properties, we put them on a multi-property schedule under one policy — easier to manage, often better pricing, and you can add or remove properties as you buy and sell without re-underwriting the whole schedule.

3. Can I get landlord insurance if the rental is owned in an LLC or trust?

Yes. Most of the investor-specialty carriers we work with — Steadily, Obie, Guard, BHHC, ReinsurePro — write policies in the name of the LLC or trust that holds the property. We handle the entity documentation as part of the application. If you have multiple LLCs across your portfolio, we can schedule properties together or separately depending on your structure.

4. Do you offer monthly billing?

Yes. Monthly billing is available on most of our landlord and rental property policies through our investor-specialty carriers. You don't have to write a check for the full annual premium up front.

5. Can I add or remove properties mid-policy?

Yes. You can add a newly acquired rental to your schedule mid-term, and you can remove properties you've sold without waiting for renewal. You only pay for the coverage you actually need at any given time.

6. How long can a rental property be vacant before my coverage is affected?

Most landlord policies allow 30 to 60 days of vacancy before coverage limitations kick in — typically things like vandalism, water damage from frozen pipes, or theft. Longer vacancies usually require either a vacancy permit added to the policy or a separate vacant property policy. We handle both. If you have a property between tenants, between renovations, or being held vacant for a sale, tell us — we'll structure coverage accordingly.

7. What states do you write rental property insurance in?

We write rental property and landlord insurance in Oregon, Washington, Arizona, Colorado, Nevada, Utah, and Idaho. If you own rentals outside our footprint, let us know — we may still be able to help or refer you to a trusted partner.

8. What insurance carriers do you work with for landlord and rental property coverage?

We're independent, which means we shop your risk across multiple investor-specialty carriers. Our primary landlord and rental property markets include Steadily, Obie, Guard, BHHC, ReinsurePro, US Assure, and Propeller, plus personal-lines carriers like Travelers, Safeco, and Openly for rentals held in personal name. One application, multiple quotes.

9. How much does landlord insurance cost?

It depends on the property — location, build type, age, replacement cost, deductible, coverage limits, and your claims history all factor in. As a rough range, single-family landlord policies in our footprint typically run $800–$2,200 per year per property. Multi-property schedules often come in below the per-policy average. We don't quote blind — submit the form and we'll come back with real carrier numbers in 24–48 hours.

10. What does landlord insurance actually cover?

A standard landlord policy covers: the dwelling itself (structure), liability (if someone is injured at the property and you're held responsible), lost rental income if a covered loss takes the unit offline, and other structures on the property (detached garage, fence, shed). Optional add-ons include vandalism coverage during vacancy, equipment breakdown, ordinance and law coverage for older buildings, and umbrella liability stacked across multiple properties.

11. I already have a homeowners agent. Do I have to switch everything to work with you on my rentals?

No. You can keep your existing personal homeowners coverage where it is and let us handle your investor portfolio separately. A lot of investors run it that way — captive agent for the primary residence, independent investor specialist for the rentals. Over time, many clients move everything to us once they see how the portfolio side runs.

12. ¿Hablan español? ¿Ofrecen servicio en español?