Rental property insurance that protects your investment.

Owning a rental property comes with real risks—accidents, weather, and unexpected repairs can all affect your bottom line. That’s why having dedicated rental property insurance is key to protecting your investment and income. We help property owners across Minnesota, Iowa, and Wisconsin find coverage that aligns with their property and long-term goals.

What does rental property insurance cover?

Dwelling Coverage

A hand is holding a house with keys in it.

Covers the physical structure of your rental home or unit in case of damage from events like fire, storms, or vandalism.

  • Fire, lightning, or hail damage
  • Damage to the structure or attached garage
  • Vandalism or non-tenant-related damage

Liability Protection

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Protects you financially if someone is injured on your rental property or claims property damage.

  • Medical costs and legal fees
  • Lawsuit defense coverage
  • Tenant or visitor injury liability

Loss of Rental Income

A black and white drawing of a bag of money with a dollar sign on it.

Reimburses lost income if your property becomes uninhabitable due to a covered event.

  • Fire or storm-related displacement
  • Rental income replacement
  • Support while making repairs

Optional Coverages

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Customize your policy with extra protection depending on how you rent and what kind of property you own.

  • Equipment breakdown
  • Ordinance or law coverage
  • Premises liability for short-term rentals

Common questions about rental property insurance.

  • Is landlord insurance different from homeowners insurance?

    Yes. Homeowners policies don’t cover tenant-occupied properties—landlord insurance is designed for rental risks.

  • What if I rent to short-term guests like Airbnb?

    Some carriers offer specific endorsements for short-term rentals. Let us know how you rent so we can tailor your policy.

  • Am I covered if my tenant causes damage?

    Basic policies may not cover tenant damage, but optional endorsements can help. We’ll walk you through what’s available.

  • Can I bundle this policy with my personal insurance?

    Absolutely. Bundling can simplify your coverage and potentially reduce your premium.

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