Landlord & Rental Property Insurance in Delaware & Maryland

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Coverage for Long-Term Rentals, Seasonal Units & Tenant Risks

Protect the Properties You Rent Out

Owning a rental property comes with reward—and risk. Whether you manage a single-family home in Dover, a beach rental in Rehoboth, or a multi-unit building in Easton, landlord insurance helps protect your investment. This specialized policy covers the structure, liability exposures, and income loss if a covered event makes your rental uninhabitable. We work with local property owners and investors to customize rental property coverage that fits your property type, occupancy status, and seasonal exposure—so you’re not overpaying or leaving gaps.

What’s Included in Landlord & Rental Property Insurance?

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Dwelling Coverage

Protects the structure itself—roof, walls, foundation, and permanently installed fixtures—against fire, wind, vandalism, and more.

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Liability Coverage

Covers injuries or property damage claims made by tenants or guests on your rental property.

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Loss of Rental Income

Helps replace rental income if the property is uninhabitable due to a covered event like a fire or major storm.

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Personal Property (Landlord-Owned)

Covers furnishings, appliances, or tools you keep at the rental—not the tenant’s belongings.

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Optional Add-ons

Can include coverage for short-term rentals, ordinance & law upgrades, or tenant damage (depending on the policy).

Own a rental home, beach unit, or tenant-occupied property?

We’ll help you protect your investment with landlord insurance tailored to your property and your risks.

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Coverage for Coastal Rentals, City Units & Everything in Between

From full-time tenants to seasonal vacation rentals, we help landlords across Delaware and Maryland navigate the right coverage for their properties. We’ll make sure you’re protected from the most common and costly risks—while keeping things affordable.

Benefits of having insurance with us:

  • Local expertise in beach, seasonal, and coastal rentals
  • Help comparing DP-1, DP-2, and DP-3 landlord policy types
  • Assistance meeting lease and lender requirements
  • Options for multi-property discounts
  • Guidance on tenant liability and loss-of-rent coverage
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Smart Protection for Landlords & Property Investors

Landlord & Rental Property Insurance FAQs

  • Does landlord insurance cover the tenant’s belongings?

    No. Tenants should carry renters insurance. Landlord insurance covers the structure and landlord-owned items only.

  • What if I rent my home on Airbnb or seasonally?

    Short-term rentals often require a special endorsement or vacation rental policy. We’ll make sure the coverage matches your rental activity.

  • Do I need landlord insurance if my property is vacant?

    Yes, but vacancy changes the risk and may require a different type of policy. Let us know if your unit is currently unoccupied.

  • Can I get coverage for multiple rental properties?

    Yes. We can bundle several properties under one policy or structure separate coverage depending on your situation.