Landlord Insurance
Landlord Insurance: Protect Your Rental Investment
Owning rental property is a smart investment — but it comes with unique risks that a standard homeowners policy won't cover.
Understanding Landlord Insurance
A standard homeowners policy is designed for owner-occupied homes. Once you start renting out a property, your coverage needs change significantly. Landlord insurance — also called a dwelling fire policy — is built specifically for rental property owners.
At Wingerd Agency, we help landlords protect their properties, their rental income, and their liability exposure with policies designed for the realities of being a property owner.
Coverage Types Explained
Dwelling Coverage
Covers the physical structure of your rental property — walls, roof, and built-in fixtures — against fire, storm damage, vandalism, and other covered perils.
Loss of Rental Income
If your property becomes uninhabitable due to a covered loss, this coverage replaces the rental income you lose while repairs are being made.
Liability Protection
If a tenant or visitor is injured on your property and sues you, liability coverage pays for legal defense costs and any resulting judgments.
Landlord Contents Coverage
Covers appliances, furniture, and other items you provide as part of the rental — such as a washer, dryer, or furnished unit.
Why Choose Wingerd Agency for Landlord Insurance?
- Policies designed specifically for single-family and multi-unit rental properties
- Coverage for lost rental income so your investment keeps paying
- Liability protection that goes beyond what a standard policy provides
- Dedicated expertise from an agent who understands the rental market
Invest with Confidence
Your rental property deserves the right protection. Let us find you a landlord policy that covers your investment from every angle.
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