A homeowners policy is written for the home you live in. Once you rent a home to someone else, the risks change. A tenant lives there, visitors come and go, and your rental income depends on the home staying livable.
Landlord/Dwelling Insurance is built for those risks. It protects the structure, covers your premises liability if a tenant or visitor is injured, and can reimburse lost rent while the home is uninhabitable after a covered loss.†
1859 Mutual writes landlord and dwelling coverage for one- to four-family dwellings, rented long-term, seasonally, or short-term.
Your policy protects your building and your liability as the owner. Your tenant's furniture, clothing, and other belongings are not part of it; tenants cover those with their own renters insurance. If you rent the home furnished, your agent can add coverage for landlord furnishings.†
Landlord and dwelling insurance in Ohio typically covers the rental property's structure against fire, storm, and vandalism, premises liability if a tenant or visitor is injured, and loss of rental income while the property is uninhabitable after a covered loss, with optional coverage for outbuildings, equipment, and landlord furnishings, under one policy. 1859 Mutual writes landlord and dwelling coverage for Ohio rental and non-owner-occupied properties through appointed independent agents.
A homeowners policy is written for the home you live in. Landlord insurance is written for a home you rent to someone else: it protects the structure, covers your premises liability as the owner, and can reimburse lost rent after a covered loss. If you rent out an Ohio home you do not live in, a local independent agent can tell you which policy fits.
If you rent a home to tenants and do not live there, a standard homeowners policy may not cover the risks that come with renting it. Landlord and dwelling insurance is built for those risks. If the property has a mortgage, your lender may also require coverage. A local independent agent can review your situation and place the right policy.
No. Landlord insurance protects your building and your liability as the owner. Your tenant's personal belongings are not covered by your policy; tenants protect those with their own renters insurance. If you rent the property furnished, your agent can add coverage for the furnishings you own.
Yes, 1859 Mutual writes landlord and dwelling coverage as a standalone policy, so you can insure an Ohio rental or non-owner-occupied property without buying personal property coverage you do not need. A local independent agent places the coverage and can add landlord furnishings if you rent the property furnished.
Yes. 1859 Mutual writes landlord and dwelling coverage for one- to four-family dwellings in Ohio, whether you rent them long-term, seasonally, or short-term. A local independent agent places the coverage.
The cost depends on the property, where it is, its risk factors, and the coverage you choose. 1859 Mutual offers landlord and dwelling coverage at competitive rates, and your local independent agent prices the policy for your property. Find an agent near you to get a price for your rental.
You get 1859 Mutual landlord and dwelling coverage through a local independent agent, who places and services the policy. 1859 Mutual writes coverage only through appointed independent agents across Ohio, so find a local agent near you to get started.
