Rental Property Insurance

If you have homeowners insurance, you may be inclined to think your home is completely covered in the case of a fire. If you’re living in your own home – it will.

But, if you’re renting out a house, think again.

Rental homes need a very particular type of insurance, known as a "dwelling fire" policy.   Some insurance companies also refer to this as a landlord policy or protector.   Traditional homeowner's insurance requires that the home be owner occupied, obviously an issue for a rental property.   Dwelling fire policies have no such requirement and therefore allow the home to be occupied by tenants.   

At American Best Agency, we have been providing insurance for landlord's for over 15 years.   We understand how to properly structure a dwelling fire policy to protect your interest in the structure, its contents and the premises liability exposure.  We can issue policies to individual investors or to investment corporations or LLC's.   Out of state landlord's are not an issue and we are happy to work with your local property manager.

We represent several A+ rated insurance carriers that offer Dwelling Fire policies:  Safeco, Travelers, First American, Allied and CSE to name a few.   With our multiple company relationship we can find the best combination of price and coverage to fit your individual needs.   Contact us today and let us show how knowledgeable we are, and how competitive our rates can be. 

Contact American Best Agency today to find out more about dwelling fire insurance.