Coverage for the property you own beyond your primary residence — rentals, vacation homes, condos, and vacant or investment property.
Not every property fits neatly into a standard homeowners policy. Rental units, vacation homes, condos, and vacant or investment properties all carry different risks than the home you live in — and need coverage built for that difference.
If you rent a property out, your standard homeowners policy typically won't cover it — a landlord or rental dwelling policy is priced and structured differently to reflect that a tenant, not you, occupies the space.
A second home you don't occupy full-time, a condo with HOA-managed exterior coverage, or a property sitting vacant during a renovation or sale all need policy language that matches how the property is actually being used.
No. Standard homeowners policies are written for owner-occupied homes and typically exclude or restrict coverage for a property you rent out to someone else.
Home & Renters covers the primary home you live in. Property Insurance covers everything else you own — rentals, vacation homes, vacant land or structures, and investment property.
Yes — most standard policies limit or exclude coverage after a property sits vacant for 30-60 days, since vacant properties carry higher risk for vandalism, fire, and undetected damage.
Yes, through a builder's risk policy, which covers the structure, materials, and equipment during the construction or renovation period.
Most clients bundle two or more of these — ask us about multi-policy discounts.