Protect Your Rental Income

Being a landlord is tough enough. Don't let a fire, lawsuit, or bad tenant destroy your investment. We offer DP-3 policies for 1-4 unit properties.

Loss of Rents Coverage
Premises Liability
Wrongful Eviction

Single Family & Multifamily

We insure single-family rental homes, duplexes, triplexes, and four-plexes. (Have a larger apartment building? Check out our Commercial Real Estate page).

Loss of Rents

If a fire burns down your rental home, you don't just lose the building—you lose the monthly rent checks. Our policies pay you the lost rent while the building is being repaired.

More Than Just Property Insurance

Property Protection

  • Dwelling (DP-3): Comprehensive "open perils" coverage for the building structure.
  • Landlord Personal Property: Covers appliances (fridge, stove, washer/dryer) or tools you keep on site for maintenance.
  • Vandalism: Protects against damage caused by tenants or trespassers.

Liability Coverage

  • Premises Liability: Protects you if a tenant or guest is injured on the property (e.g., slip and fall).
  • Personal Injury: Optional protection against claims of wrongful eviction, invasion of privacy, or slander.
  • Medical Payments: Quick coverage for minor injuries to prevent lawsuits.

Serving Investors in Detroit, Pontiac & Suburbs

We understand the specific needs of Michigan real estate investors.

Get A Landlord Quote

Secure your cash flow today.

Landlord Insurance FAQs

No. Standard homeowners policies exclude coverage if you are not living in the home. You MUST switch to a Landlord (Dwelling Fire) policy once you rent it out, or your claim could be denied.

Standard landlord policies often exclude short-term rentals. We have specific carriers that specialize in Airbnb/VRBO properties that cover the unique risks of transient guests.

Many investors do this for liability protection. We can write the policy in the name of your LLC to ensure the entity is properly protected.