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As a property owner, your rental is both an investment and a responsibility.
Collings Insurance Brokers offers tailored Rental Property Insurance to protect your asset and provide peace of mind. Whether you own a single rental unit or multiple properties, we ensure your policy reflects your rental’s needs so you can rent your space with confidence knowing both your property and your tenants are protected.
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How Rental Property insurance can protect you.
Rental Property Insurance protects you from the financial loss if your property is damaged or there is bodily injury on the premises.
From liability and property protection to optional add-ons such as rental income coverage, we’ll tailor a policy to fit the unique risks of your rental, so you can rent with confidence.
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Coverage for what’s important to you
Rental property insurance often includes the following coverage options:
Dwelling Coverage
Liability coverage
Rental income coverage
Personal property coverage
Coverage Highlights
Have a unique need? Reach out, and we’ll find the right coverage for you.
Covers the physical structure of your home—such as the walls, roof, and foundation—against covered risks like fire, storm damage, or vandalism.
Covers legal costs, settlements, and medical expenses if someone is injured on the premises.
Coverage for repairs if property becomes uninhabitable due to a covered loss.
Frequently Asked Questions
Yes, but only the items you own that are used to service or maintain the rental. This can include appliances you provide (like a fridge or stove), tools, or equipment stored on site. It does not cover your tenant’s belongings — they need their own tenant’s insurance for that.
Standard rental property insurance is designed for long-term tenants, not short-term or vacation rentals. If you rent your property on a short-term basis, you may need a different policy or an endorsement specifically for short-term rental use. Without the right coverage, claims could be denied. We’ll review your situation and match you with the proper protection.
Yes. Tenant’s insurance protects your tenant’s personal belongings and provides them with liability coverage if they accidentally cause damage to your property (for example, a kitchen fire or water overflow). By requiring tenants to carry their own policy, you reduce disputes over damaged property and protect yourself from being held responsible for losses that aren’t yours.