Your Rental Property Earns You Income. Make Sure It's Protected.
Your homeowners policy won't cover a property you rent to tenants. Rental dwelling insurance protects the structure, provides landlord liability coverage, and replaces lost rental income when the unexpected happens.
Your Homeowners Policy Won't Cover Your Rental Property
The moment you rent out a property to a tenant, your standard homeowners insurance stops covering it. Homeowners policies are designed for owner-occupied homes — they exclude properties rented to others. If a fire damages your rental, a tenant gets injured on the premises, or a storm makes the property uninhabitable, your homeowners policy won't pay. You need a dedicated rental dwelling policy.
Rental property insurance — also called landlord insurance or dwelling fire insurance — is specifically designed for properties you own and rent to tenants. It covers the structure, provides premises liability protection, and can replace lost rental income if a covered event makes the property uninhabitable. Whether you own one rental house or a fourplex, we help you get the right protection.
Whether your rental property is a single-family home across town, a duplex you inherited, or a condo you rent on Airbnb — you need dedicated landlord insurance. We help Midwest property owners protect their investment affordably.
Get a Rental Insurance Quote →Do you own property that you rent to others?
Your homeowners policy won't cover it. A rental dwelling policy protects the building, your liability, and your rental income. Let us find the right coverage.
Get a Free Quote →660-665-1687 · 660-754-1000
Rental Property Coverage Through Brawner
Rental dwelling insurance covers the unique risks landlords face — from property damage to tenant injuries to lost rental income.
Dwelling Coverage
Covers physical damage to the rental property structure from covered perils — fire, wind, hail, lightning, explosions, smoke damage, and more. Pays to repair or rebuild the home up to your coverage limit.
Premises Liability
Protects you if a tenant, visitor, or third party is injured on your rental property and you're found liable. Covers medical bills, legal defense costs, settlements, and judgments — essential for every landlord.
Loss of Rental Income
Replaces your lost rental income if the property becomes uninhabitable due to a covered event — like a fire, storm, or major water damage. Pays the fair rental value while the property is being repaired or rebuilt.
Vandalism & Theft
Optional coverage for intentional damage to the property by tenants or others, and theft of landlord-owned property on site — appliances, fixtures, and furnishings that you provide for the rental.
Other Structures
Extends coverage to detached structures on the property — garages, sheds, fences, and other buildings that aren't part of the main dwelling but are part of the rental property.
Medical Payments
Covers medical costs for someone injured on your rental property — regardless of who is at fault. Helps avoid lawsuits by paying smaller injury claims quickly without requiring a liability determination.
Water & Sewer Backup
Optional coverage for damage caused by sewer or drain backups — a common and expensive problem in older rental properties. Covers cleanup, repairs, and damaged landlord-owned property.
Landlord Furnishings
Covers appliances, furniture, and personal property you provide for the rental — refrigerators, washers, dryers, window treatments, and other landlord-owned items inside the unit.
Let's protect your rental investment.
We assess your property, tenant situation, and income goals to build the right landlord insurance policy.
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