Landlord topics
Landlord insurance guides
Dwelling forms, liability, vacancy, multi-unit, water damage, short-term rentals, and umbrella — written for rental-property owners in ten service-area states.
Dwelling forms (DP-1 / DP-2 / DP-3)
How dwelling-fire and landlord dwelling forms differ from owner-occupant homeowners — and what underwriters ask.
Open guideLandlord liability
Premises liability for rental dwellings — guest injury, tenant claims themes, and why limits belong on the submission.
Open guideLoss of rents
Rental income protection when a covered dwelling loss makes the unit uninhabitable — limits, waiting periods, and documentation.
Open guideVacancy & unoccupied rentals
How vacancy and unoccupancy change dwelling underwriting — winterization, theft, water damage, and disclosure.
Open guideMulti-unit rental (2–4+)
Duplex, triplex, fourplex, and larger habitational themes — unit count, owner-occupied unit, and scheduling.
Open guideWater damage & landlord property
Freeze, discharge, and water claims themes on rental dwellings — plumbing age, roof condition, and maintenance.
Open guideLandlord umbrella & higher limits
When rental owners need higher liability limits above the dwelling or landlord package — contracts, lenders, and schedules.
Open guideShort-term & mid-term rentals
Airbnb/VRBO-style and mid-term stays — occupancy, ordinances, and why the file differs from a 12-month lease.
Open guide