Ohio Landlord & Dwelling Insurance, Built for Your Rentals.

Rental property is an investment, and it carries risks a standard homeowners policy won't cover. 1859 Mutual's Landlord/Dwelling Insurance protects non-owner-occupied homes and dwellings across Ohio, placed through your local independent agent. Because we're a mutual, we answer to our policyholders, not to shareholders.

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Ohio Landlord & Dwelling Insurance, Built for Your Rentals.

landlord/dwelling coverage

What Does Our Landlord/Dwelling Insurance Cover?

1859 Mutual's Landlord/Dwelling Insurance is built for Ohio rental properties, placed through your local independent agent. Coverage typically includes:

Dwelling Coverage

Protects the physical structure of your rental property against damage from perils such as fire, storm, or vandalism.†

Liability Protection

Covers you if a tenant or visitor is injured on your property, including legal defense costs and any settlements or judgments.†

Loss of Rental Income

Reimburses you for lost rental income if your property becomes uninhabitable due to a covered loss.†

Optional Coverages

Additional options include coverage for outbuildings, equipment, and landlord furnishings.†

†Policy Terms and Conditions apply

What we offer

Why Ohio Landlords Choose 1859 Mutual

We've protected Ohio property owners for over 160 years. As a mutual, our policyholders come first, not shareholders. We're Demotech "A, Exceptional" rated, and we work only through local independent agents who know the rental market in your community.

Standalone Policy

Unlike many insurers, 1859 Mutual allows you to insure your rental property without requiring personal property coverage, offering unmatched flexibility.

Comprehensive Protection

Our policies are designed to cover the unique risks associated with rental properties, providing peace of mind for landlords.

Competitive Pricing

We offer robust coverage at competitive rates, helping protect your investment without breaking the bank.

Frequently Asked Questions

What does landlord and dwelling insurance cover in Ohio?

Landlord and dwelling insurance in Ohio covers the rental property's structure against fire, storm, and vandalism, liability for tenant or visitor injury, 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.

Can I insure an Ohio property I rent out without covering my own belongings?

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.

How do I get landlord and dwelling insurance from 1859 Mutual in Ohio?

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.

Find a Local 1859 Mutual Agent

Ohio landlord and dwelling insurance from 1859 Mutual is placed through local independent agents. Find an agent near you to protect your rental property.

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