Protect your rental property and rental income

Landlord Insurance

Landlord insurance (also called Dwelling Fire insurance) is designed for rental properties you own but don't live in. Unlike homeowners insurance, it covers the unique risks landlords face — liability from tenant injuries, loss of rental income when property is uninhabitable, and damage to the structure itself.

Get a quoteCall (623) 873-1234

At a glance

Landlord

Reviewed by a
licensed agent
Policy Type
DP-3 Dwelling Fire Special Form
Key Add-on
Loss of Rents / Fair Rental Value
Not Covered
Tenant's personal property (their renters insurance)
Vacancy Clause
Coverage may change if vacant 30–60+ days

Watch for: Loss of rents keeps the mortgage paid while the unit is down.

The policy

What it covers, and who it's for.

The short version. What a policy actually covers is in its forms and endorsements, and we read those with you before you buy.

What it covers06

  • Dwelling coverage — the rental property structure
  • Other structures on the property
  • Loss of rental income if the property becomes uninhabitable after a covered loss
  • Liability — if a tenant or visitor is injured on the property
  • Vandalism and malicious damage by tenants (most DP-3 policies)
  • Fair rental value — ongoing rent lost while repairs are made

Who needs it04

  • Owners of single-family rental homes
  • Small apartment building owners (1–4 units)
  • Condo investors who rent their unit
  • Vacation rental owners (short-term rental endorsement may be needed)

By state

Home market changes at the state line.

Arizona
In forested and wildland areas some carriers have pulled back. When no Arizona-licensed carrier will write a home, the next step is the surplus lines market, which the law allows only after a diligent search of licensed carriers. Surplus lines policies carry fewer consumer protections and some exclude wildfire, so read them closely; we will.
California
Some carriers have pulled back from high wildfire-risk areas. The California FAIR Plan is the insurer of last resort: a basic policy for fire and smoke, with a difference-in-conditions (DIC) policy from a private insurer for liability, water damage and the other usual perils. Earthquake is a separate policy, through the California Earthquake Authority (CEA) or a private insurer.
Elsewhere
Which homes carriers will write, and on what terms, changes with the state and the area. The 17 states we're licensed in.

Questions

About landlord, answered plainly.

Don't see yours? Call (623) 873-1234 or write to service@commercialy.com.

Often paired with

What usually goes alongside it.

  1. 01

    Homeowners

    Protect your home, belongings, and personal liability
  2. 02

    Personal Auto

    Protection for you, your family, and your vehicle

Talk to a licensed agent, not a phone tree.

Tell us what you're insuring and we'll come back with landlord options from more than one carrier, explained in plain English.

Call the office Se habla español

(623) 873-1234
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