Single-family rentals, duplexes, small multifamily, LLC-held property — insured on landlord paper, not a homeowners policy that won't pay when it matters.
First-rental landlords, investors adding doors, and owners who moved property into an LLC and never fixed the insurance. If the deed changed but the policy didn't, that's a gap — bring us the details and we'll close it.
A homeowners policy on a tenant-occupied house is one of the most common — and most expensive — mistakes we see. Carriers can and do deny claims when the occupancy on the policy doesn't match reality. Landlord paper costs a little more and actually pays.
The titleholder — the LLC. If the policy names you personally but the LLC owns the property, a claim can be contested. This is a five-minute fix at quote time and a major headache after a loss.
No. Once the home is tenant-occupied, a homeowners policy no longer matches the risk, and claims can be denied for it. Rentals belong on dwelling fire / landlord paper.
Yes. It's cheap for them, and it keeps their belongings and their liability off your policy. Many landlords write it into the lease.
Standard policies restrict coverage after a property sits vacant — commonly around 30 to 60 days. If a rental will sit empty or is under renovation, tell us; vacant-property coverage exists for exactly this.
