If you own a rental or income property and consider yourself a landlord, you’ll need a specific type of coverage called Rented Dwelling Insurance. This is designed for property owners or investors who lease out single-family homes, condos, apartments, townhouses, or duplexes. It protects your property from physical damage, legal liability, and potential income loss.

While similar to landlord insurance, rented dwelling insurance offers broader protection and typically includes the following:

Dwelling Coverage: Pays for repairs or rebuilding of the rental property and additional structures in the event of covered damage.

Liability Coverage: Protects you from legal claims if someone is injured or if you’re found responsible for property damage.

Loss of Rent Coverage: Reimburses you for lost rental income if the unit becomes uninhabitable due to a covered loss.

Property Coverage: Covers contents you provide with the rental, such as furniture or maintenance equipment.

Whether you're renting out a condo, house, or duplex, Vanguard will guide you through securing the right rented dwelling policy. Our licensed brokers are ready to tailor a plan that fits your needs and budget—giving you confidence and peace of mind as a property owner.