Rental Property Insurance That Protects Your Investment

Rental property insurance covers property damage, liability claims from tenant incidents, and even income loss if your property becomes uninhabitable. From storm damage to tenant-caused accidents, we’re here to keep your investment secure against unforeseen events.

Homeowners insurance is designed for owner-occupied properties, while rental property insurance specifically covers homes rented to tenants. It includes additional liability coverage to protect landlords from tenant claims and offers coverage for loss of rental income during repairs.

No, tenant belongings are not covered under rental property insurance. Tenants are encouraged to have their own renters insurance, which covers their personal property and provides liability protection for incidents within their rental space.

Loss of rental income coverage helps replace rental income if your property becomes uninhabitable due to a covered event, like a fire or major repair. This support allows you to continue meeting expenses even when your rental isn’t generating income.

We can cover single units, multi-family homes, and even portfolios with multiple properties. Our team works with you to create a policy that meets the needs of each property, providing seamless protection across your entire rental portfolio.

Standard policies cover existing structures, but you may need additional coverage during major renovations. If you’re planning a remodel, let us know so we can adjust your policy and ensure coverage for any work in progress.

Yes, we offer policies for short-term rental properties. These policies consider the unique risks involved with vacation rentals and offer tailored coverage that ensures both your property and liability risks are well managed.

With over five decades of experience, we understand what it takes to protect rental investments. Our team provides tailored coverage and friendly support, helping Minnesota landlords keep their properties secure and their investments thriving.