Dwelling, liability, and loss-of-rent coverage for tenant-occupied rentals — single family homes through small multifamily. Written to your LLC or personal name, customized to how you run your portfolio.
Multiple properties? Quote your whole portfolio in one go.
Landlord insurance — often written as a DP-3 dwelling policy — is built for properties you own but don't live in. A homeowners policy assumes owner occupancy; renting the home out without telling your insurer is one of the most common reasons claims get denied.
A proper landlord policy covers the dwelling and other structures against fire, wind, hail, and other perils, adds loss-of-rent coverage that replaces income while a covered loss makes the unit uninhabitable, and carries landlord liability for tenant and guest injuries — the claim type most likely to threaten your personal assets.
Because every rental is different, Lumin policies are customizable: name your LLC as insured, add water backup or equipment breakdown, set deductibles to match your reserves, and add your lender as mortgagee. One conversation covers your whole portfolio.
The dwelling — fire, lightning, wind, hail, and other covered perils
Other structures — garages, fences, sheds on the property
Loss of rents — replaces rental income while a covered loss is repaired
Landlord liability — tenant and guest injury claims, $1M–$2M limits
Optional add-ons — water/sewer backup, equipment breakdown, ordinance & law
Tenant belongings — your tenants need their own renters insurance
Extended vacancy — empty past 30–60 days needs a vacant policy
Short-term rental activity — Airbnb hosting needs STR coverage
Flood & earthquake — available as separate policies where needed
Tenant rent default — non-payment is a screening problem, not an insurable peril
Coverage varies by policy and state. A licensed Lumin agent will walk you through the exact terms before you bind.
Converting a former residence or buying rental #1 — we'll explain every line.
Lower premiums mean higher cash flow — we compare rates so you don't overpay.
Multiple entities, multiple properties — structured correctly under one roof.
Licensed in all 50 states — buy in any market without hunting for a local agent.
Homeowners policies assume you live in the home and cover your personal belongings. Landlord policies assume a tenant lives there: they cover the structure, your liability as a landlord, and the rental income — but not the tenant's stuff. Using the wrong one is grounds for a denied claim.
Yes — and if you hold the property in an LLC, it should. The named insured should match the deed. We routinely write policies for LLCs, partnerships, and trusts, with lenders added as mortgagees.
It depends on location, construction, age, coverage limits, and deductible. As a rule of thumb landlord policies run somewhat higher than an equivalent homeowners policy — but because Lumin compares rates across underwriters, most investors come in under what they were paying before.
No — landlord insurance covers your property and liability, not theirs. Most landlords require tenants to carry renters insurance in the lease; it's inexpensive and protects both sides.
Short gaps are fine. But if the home will sit empty longer than 30–60 days — for a renovation, slow leasing season, or a sale — most landlord policies restrict or void coverage. That's when you bridge with a vacant property policy.
If your rental hosts on Airbnb or VRBO, you need STR-specific coverage.
For extended gaps between tenants or while a property is listed.
State-specific guidance for one of the biggest rental markets in the country.
Lower premiums grow cash flow and asset value. See your rate in about four minutes.