Business
Rental Dwelling Policies
A rental dwelling policy is written for a house you own and rent to tenants. It may consider the building, landlord liability, and loss of rental income after a covered loss, depending on the policy. It is not a substitute for Home Insurance on an owner-occupied residence. Occupancy, number of units, and how the property is rented all matter. Salazar Torres & Associates can help you describe the property so the right form can be reviewed.
- Written for landlords, not for the house you occupy as your primary home.
- May include the dwelling structure and landlord liability, subject to the policy.
- Some policies discuss loss of rents after a covered property loss.
Request a rental dwelling conversation
Enter the property ZIP Code to begin.
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No commitment. An advisor will contact you to discuss available options.
What a rental dwelling policy may consider
The policy is about the landlord’s building and liability. Tenant belongings are usually the tenant’s responsibility, not this policy’s.
- The dwelling
Discuss the building itself: construction, updates, and how many families occupy it. Tenant personal property is usually excluded.
- Landlord liability
A policy may include liability for certain incidents at the rental property, subject to terms and exclusions.
- Loss of rents
Some forms discuss rental income you may lose after a covered property loss. Whether that option applies is confirmed with the insurance company.
- Occupancy and unit count
A one-family rental is underwritten differently from a multi-unit building. Short-term or vacation rental use may need a different review.
- Leases stay off this site
Do not upload leases, tenant identification, or photos on this website. An advisor will ask for property facts later.
Availability, limits, exclusions, and conditions depend on the insurance company, the policy, and the state. Salazar Torres & Associates is an independent agency and does not issue policies on this website.
Not sure which coverage fits your needs?
An advisor can help you explore available options based on your needs.
Who may need this coverage?
This page is for owners who rent a house or small residential building to others and need landlord coverage reviewed.
Landlords of a single-family house that is not their primary residence.
Owners moving from a home policy to landlord coverage after a tenant occupies the house.
Investors who also farm or run a business and need rental property kept on its own policy.
Here’s How Easy It Is
Talk to an Advisor
Review Your Options
Choose Your Protection
Request Your Quote
Talk to an Advisor
Review Your Options
Choose Your Protection
Cover more with one request
Add a related coverage to discuss together with an advisor.
Farm + Rental Dwelling Policies
Discuss farm insurance together with a rental dwelling policy.
SelectQuestions about this coverage
Home insurance is for a house you live in. A rental dwelling policy is for a house you own and rent to others. Occupancy and unit count change the underwriting.
Property ZIP Code, contact details, and whether the unit is a long-term rental. Do not upload leases or tenant identification here.
Yes. The farm and rental combination opens the quote form with both products selected.
No. A submitted request is not a landlord policy.
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