LANDLORD INSURANCE (DP-3)

A standard homeowners policy often excludes tenant‑occupied risks. A DP‑3 (Special Form) policy is designed for landlords, covering the dwelling against broad causes of loss and adding landlord‑focused protections.

• Proper coverage for tenant‑occupied homes
• Protects your rental income
• Higher liability limits available

• Property address & occupancy (SFR/duplex/4‑plex)
• Year built & updates (roof, electrical, plumbing, heat)
• Monthly rent & desired liability limit
• Any prior claims or open losses
• Expected vacancy periods (if any)

• Dwelling & Other Structures — Often at replacement cost on Special Form
• Landlord Liability — Bodily injury or property damage claims
• Loss of Rents — Replaces rental income while a covered claim is repaired
• Medical Payments — For small, no‑fault injuries

• Water / sewer backup
• Equipment breakdown (HVAC, appliances)
• Service line coverage (buried utility lines)
• Ordinance or law (code upgrades)
• Vandalism & theft (where available)
• Premises liability higher limits / umbrella

• Maintain working smoke/CO detectors & handrails
• Keep roofs, wiring, plumbing, and heating updated
• Use written leases and document tenant screening
• Notify us of short‑term rental use or property managers
• Understand vacancy clauses and requirements

• Photos of updates & receipts
• Lease agreement & rent roll
• Property manager details (if any)
• Prior carrier declarations page

• Bundle with your personal auto/home
• Monitored alarms
• Updates (roof/electrical/plumbing/HVAC)
• Claims‑free
• Higher deductible

Does the policy cover tenant‑caused damage?
Vandalism/theft can be added on some policies; intentional damage may be limited. Security deposits still apply.

Is short‑term rental (Airbnb/VRBO) covered?
Often requires specific underwriting or a different program. Tell us your situation so we can match the right form.

What happens if the home is vacant?
Vacancy clauses can limit coverage; let us know so we can adjust terms or place a vacancy policy.

1. Report quickly — we’ll guide you step‑by‑step
2. Document the loss (photos, receipts, lease)
3. We advocate with the carrier & help coordinate
4. Restore — and review coverage for next time

• Ask about portfolio credits and a commercial package for 5+ doors.