Renting out a house, a condo, or a small multiplex is a business, and a standard homeowners policy is not built for it. We help local owners cover the building, the liability tenants bring, and the income they would lose if the place became unrentable after a claim. Tell us about your property and we'll shop it across our carriers.
What we handle for you
- Dwelling coverage sized to rebuild the structure, not only the mortgage
- Liability protection for claims a tenant or their guest could bring
- Loss of rent coverage while a covered repair keeps the unit empty
- The gap a personal homeowners policy leaves once you rent the place out
- Umbrella coverage sitting over the whole rental and your own assets
- Flood coverage for properties near the Columbia and other low-lying areas
The coverage stack
The policies this package typically includes. We quote them together so nothing overlaps and nothing falls through.
Landlord insurance, often written as a rental dwelling policy, covers a house, condo, or small multiplex you r...
Umbrella InsuranceUmbrella insurance adds an extra layer of liability protection on top of the limits of your auto, home, and ot...
Flood InsuranceFlood insurance covers damage to your home and belongings caused by flooding, which standard homeowners and re...
Carriers we work with for landlords
Landlords FAQ
Can I use my homeowners policy for a rental?
Usually not once tenants move in. Homeowners policies are written for an owner-occupied home, and renting the place out changes how it needs to be covered. A rental dwelling policy is built for the change. Tell us what you have and we'll help you close the gap.
What is loss of rent coverage?
If a covered loss, like a fire, makes the unit unlivable while it's repaired, loss of rent coverage helps replace the income you would have collected in the meantime. It's one of the biggest reasons a landlord policy is worth having.
Do I need an umbrella policy?
Many landlords do. Renting to others adds liability exposure, and an umbrella sits on top of your rental and personal liability limits for serious claims. We can quote it alongside the dwelling so you see how the pieces fit.
Let’s Get You Covered
Let us know what you’re looking to protect and a local team member will follow up with real options.
Call us at 360-573-3080.
Prefer one question at a time? Try the step-by-step quote.