Investment & Rental Properties
Commercial-grade property protection and lost rental income replacement for tenant-occupied investment homes.
Operational Risk Profile
Income-producing properties carry commercial-level exposures. The risks shift from personal property loss to severe premises liability (tenant injuries), malicious damage caused by disgruntled occupants, and the devastating financial impact of lost rental income if a fire or storm renders the property completely uninhabitable for months.
Core Coverage Considerations
While every investment property has a unique risk profile, a foundational risk management strategy typically includes the following core coverages.
Dwelling Property (DP-3) Coverage
All-risk protection for the physical structure of the rental property, including the roof, foundation, and landlord-owned appliances.
Fair Rental Value (Loss of Rents)
Essential protection that replaces your monthly rental income stream if the tenants are forced to move out due to a covered insurance claim.
Premises Liability
Shields your personal assets from lawsuits if a tenant, their guest, or a maintenance worker is severely injured on the rental property.
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