Landlord Insurance (Dwelling Fire)
Protection for Your Rental Property Investment.
Landlord Insurance
Owning rental property can be a strong financial investment — but it also comes with unique risks. A standard homeowner’s policy is not designed to properly cover tenant-occupied properties. Landlord insurance, often written as a Dwelling Fire policy, is specifically structured to protect rental property owners.
At Corporate Insurance Solutions, we help property owners secure customized coverage that protects their buildings, income, and long-term investment.
What Is a Dwelling Fire Policy?
A Dwelling Fire policy is designed for properties that are rented to tenants, vacant, or used as non-owner-occupied residences. Coverage can be tailored to fit single-family rentals, duplexes, or small residential investment properties.
A properly structured landlord policy may include:
- Dwelling Coverage – Protection for the structure of the rental property
- Other Structures Coverage – Coverage for detached garages, fences, or storage buildings
- Personal Property Coverage – Protection for items you own that remain on-site (such as appliances or maintenance equipment)
- Liability Coverage – Financial protection if a tenant or guest is injured on the property
- Loss of Rental Income – Reimbursement for lost rental income if the property becomes uninhabitable due to a covered loss
We work with you to determine appropriate limits based on rebuilding costs and rental income exposure.
Coverage Designed for Property Owners
Rental properties face different exposures than owner-occupied homes. We help you:
- Evaluate replacement cost coverage
- Review liability limits to protect your assets
- Address vacancy considerations
- Add endorsements when needed
- Coordinate umbrella coverage for additional protection
Our goal is to make sure your policy aligns with your overall investment strategy.
The Independent Advantage
As an independent agency, we work with multiple highly rated insurance carriers. This allows us to:
- Compare coverage options and pricing
- Customize policies for different property types
- Provide objective guidance
- Advocate on your behalf in the event of a claim
We focus on helping landlords protect their assets while supporting long-term financial growth.
Protect Your Investment
Whether you own a single rental property or a growing portfolio, Corporate Insurance Solutions is here to help you secure the right coverage.