Questions from rental owners
Landlord insurance FAQ
Short answers about landlord policies, dwelling-fire forms, and how this quote site works. This is general information, not advice for a specific property.
What does a landlord policy typically include?
Most landlord or dwelling-fire conversations include coverage for the rental building, often other structures, premises liability for the owner, and loss of rental income after a covered property loss. Exact terms depend on the issued form and underwriting.
How is landlord insurance different from a homeowners policy?
A homeowners form assumes you live in the house. A landlord policy assumes a tenant occupies it. Keeping a homeowners policy on a rented dwelling can leave occupancy, liability, and lost-rent gaps.
Does landlord insurance cover a tenant’s belongings?
No. Occupants need their own personal policy for furniture, electronics, and clothing. This site does not market or rank for that product.
What is dwelling fire coverage?
Dwelling-fire forms are a common way markets write non-owner-occupied residential buildings. Endorsements can add landlord liability and loss of rents. Some markets use a packaged “landlord” product instead. We shop the form that fits the building and occupancy.
Do you quote commercial general liability or workers compensation here?
No. This site is for residential rental-property owners seeking landlord or dwelling coverage. Operating-company commercial packages are a different product and a different application.
Which states do you serve?
Washington, Oregon, Idaho, Nevada, South Dakota, Arkansas, Pennsylvania, Texas, and Indiana. Properties outside those licensed states should not be submitted on this form.
I own several rentals. Can I list them all?
Start with one property address on the form and list additional addresses and unit counts in the comments. We will tell you whether the file should be a schedule or separate submissions.
How long does follow-up take?
We contact you as soon as possible. A complete form is typically worked within one to two business days.
Is a quote a binder?
No. A quote is not a binder. Coverage begins only when a carrier issues confirmation under its rules.
Why do you require consent to call, email, or text?
We need a lawful way to follow up on the quote. Consent is not a condition of purchase. You can ask us to use email only when we reach you. Message and data rates may apply.
Is there a public phone number or email on this site?
No. Use the quote form. That is the contact path for new landlord submissions.
Still have a property to quote?
Send the address and unit count. We will follow up on the landlord file.
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