Landlord & Rental Property Insurance
A rented-out property is a business asset, and a homeowners policy will not treat it like one.
What Is Landlord & Rental Property Insurance?
Landlord insurance (a dwelling fire policy) covers the structure you rent out, your liability as the property owner, and — importantly — the rental income you lose while the property is being repaired after a covered loss. Converting a home to a rental without telling your carrier is one of the more common ways people discover a claim denial.
Why Landlord & Rental Property Insurance Matters
A homeowners policy is written for an owner-occupied residence. Once tenants move in, the exposure changes and the policy form needs to change with it. Loss-of-rents coverage is the piece owners most often overlook: the mortgage does not pause while the property is uninhabitable.
Who Needs Landlord & Rental Property Insurance?
Anyone renting out a single-family home, duplex, condo or accessory unit — including accidental landlords who moved and kept the old house.
Coverage Highlights
- Dwelling coverage for the rented structure
- Other structures on the property
- Landlord liability protection
- Loss of rental income
- Vandalism and tenant-caused damage options
- Coverage for owner-supplied appliances and furnishings
Local Considerations
The rental math in Benton County is straightforward: 136,217 housing units, 67.0% owner-occupancy countywide against just 50.4% in Bentonville, and median gross rent of $1,344 in Bentonville, $1,277 countywide and $1,270 in Rogers. That rent is the number loss-of-rents coverage is protecting. Weather sets the other half of the exposure — 164 hail events, 167 thunderstorm wind events and 23 tornado events in the county between 2015 and 2025 — so roof age and the wind/hail deductible deserve a hard look on any rental you own here.
How Our Quote Process Works
We Start with a Conversation
We take time to understand what you're trying to protect and what matters most to you.
We Right-Size the Coverage
We look at limits, deductibles and exclusions against what you actually own — not just the cheapest number that clears the requirement.
We Review for Gaps
We check for coverage gaps, exclusions, and structure — not just price — so you're not surprised later.
We Walk You Through It
We explain your options in plain English, answer questions, and help you make a confident decision.
Get a Landlord & Rental Property Insurance Quote
We'll go through your options in plain language — no obligation, no runaround.
Request a QuoteOther Coverage Options
Information is general in nature and may not reflect your specific situation. Contact us for personalized guidance.
Let's Talk About Your Landlord & Rental Property Insurance
No sales pitch — just a conversation about what you need and what your options look like. We'll take it from there.