Protect Your Property. Secure Your Rental Income.
Being a landlord is a business. Whether you own one rental home or a small portfolio, we provide the specialized coverage you need to protect your asset and your cash flow.
Why Your Homeowners Policy Won't Work
A standard Homeowners policy is designed for owner-occupied homes. If you rent the property to someone else and don't live there, a standard policy may deny your claims. You need a Dwelling Fire (Landlord) policy specifically built for rental risks.
Coverage That Keeps Your Business Running
We build policies that protect more than just the roof and walls:
Dwelling Coverage: Covers the physical structure of the home or apartment building from fire, wind, and other perils.
Loss of Rents (Fair Rental Value): Critical. If a fire forces your tenants out for 6 months, this covers the rent checks you would have received, protecting your cash flow while you rebuild.
Landlord Liability: Protects you if a tenant or their guest is injured on the property and sues you (e.g., a slip on an icy sidewalk).
Medical Payments: Covers minor medical bills for injuries on the property to avoid larger lawsuits.
“Our company’s relationship with Joe Rueter goes back 20 years. He has the risk management expertise... and the personal commitment that creates trust. He’s hands-on and part of our team.”
A Partner for Your Investments
Expert Advice for Your Leases
We don't just sell policies; we help you manage risk.
Tenant Insurance Requirement: We recommend requiring your tenants to carry their own Renters Insurance. This reduces your liability and prevents claims against your policy for their damaged stuff.
Regional Expertise: From Massachusetts Lead Paint liability to Coastal Wind deductibles in NJ and DE, we know the specific regulations that affect landlords in every state we serve.
Turn Your Rental into a Secure Investment
Don't let one bad claim wipe out your profits. Get a quote today.
Or Call Our Personal Lines Team: 215-637-8223