Landlord Insurance in Ohio
Renting out a property — single-family, duplex, or short-term — exposes you to risks a homeowners policy won't cover. We build landlord (dwelling fire / DP3) policies that actually fit how you rent.
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Landlord Insurance in Ohio
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Why landlord insurance is not just home insurance
If you rent out a property and only carry a standard HO-3 homeowners policy, you are almost certainly under-protected — and possibly in breach of your policy. Carriers expect rentals to be on a DP1, DP2, or DP3 (Dwelling Fire) form.
A proper landlord policy covers the dwelling, other structures, fair rental value (loss of rent), liability for tenant injuries, and your landlord-owned contents — without the homeowner exclusions that catch many DIY landlords off guard.
What Ohio landlords should always carry
Loss-of-rent coverage: pays rental income if the property becomes uninhabitable after a covered loss (fire, storm, water damage). Usually 12 months of rents, sometimes more.
Liability of at least $500K (preferably $1M) — tenants and their guests do get injured, and lawsuits land squarely on the property owner. Many Ohio landlords pair this with a personal umbrella policy.
Vacant-property endorsement if the unit will be empty for 60+ days between tenants. Without it, most carriers exclude losses during vacancy — a brutal gotcha.
Multi-family, short-term rental, and portfolio coverage
We write coverage for single-family rentals, duplexes, 3- and 4-unit properties, and small portfolios. For Airbnb / VRBO short-term rentals, we work with specialized carriers (Proper, Slice, Steadily, CBIZ) since standard landlord policies often exclude commercial short-term use.
If you own 5+ properties, we can combine them under a single landlord schedule for easier admin and often a multi-property discount.
Frequently Asked Questions
Quick answers about landlord insurance in Ohio, OH.
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