Personal Insurance · Coverage for the property you rent out
Landlord & Rental Property Insurance
Protect your rental income and investment — for occupied rentals and vacant properties alike.
A home you rent out isn't covered the same way as the one you live in. Landlord insurance protects the building, the income it produces, and you as the property owner.
Between tenants or renovating? Vacant and unoccupied properties carry special risks that need a specific policy — we write those too.
What landlord & rental property insurance can cover
Dwelling & structures
The rental building and attached structures against covered perils.
Loss of rental income
Replaces rent while the property is uninhabitable after a covered loss.
Landlord liability
Protects you if a tenant or guest is injured on the property.
Vacant property
Coverage tailored to homes that are empty between tenants or under renovation.
Optional contents
Appliances and furnishings you provide in a furnished rental.
Who it's for
Landlords, real-estate investors, and owners of second or vacant properties in Michigan.
Frequently asked questions
Why can't I just keep my homeowners policy on a rental?
Once you rent a property out, the use changes and a standard homeowners policy may deny claims. A landlord policy is built for tenant-occupied use and adds rental-income protection.
Related coverage
Home Insurance
Homeowners insurance that covers your dwelling, belongings, and liability — with replacement-cost limits that keep up with Michigan rebuild costs.
Learn moreFlood Insurance
Flood damage is excluded from standard home policies. We write separate flood coverage so rising water doesn't become an out-of-pocket disaster.
Learn moreCommercial Property Insurance
Commercial property protects your building, equipment, inventory, and the income you'd lose if a covered loss shut you down.
Learn moreReady to protect what matters?
Get a free landlord & rental property insurance quote and clear guidance from an agent who works for you.