Rental Property Insurance

The Lake Michigan shoreline around South Haven, Covert, Fennville, Saugatuck and Douglas and beyond features some of the most beautiful freshwater beaches in the world. Inland lakes in areas like Grand Junction, Bangor, Pullman, and Coloma also are popular water spots. Owning Vacation Rental property that you can retreat to in those areas is a great source of relaxation, so you shouldn't have to stress about your insurance coverage. Regular homeowners insurance will not properly cover you if a loss occurs, so you'll want to be sure to be covered by rental dwelling or rental property insurance.  We can help!

What is Vacation Rental Property Insurance?

Renting out property can be a lucrative business, especially if you own several properties. While tenants have certain responsibilities like obtaining renters insurance for their contents, it is the landlord’s responsibility to protect the property. Rental property insurance can cover dwellings, outbuildings, landlord's furnishings, and liability risk.

Rental dwellings typically fall into two categories-- year-round rentals, and short-term vacation rentals. Full-time year-round rentals are occupied by a single tenant on a long term basis, while short-term vacation rentals will rotate tenants often from week to week. Often, short-term rentals are also used as a second home by the property owner, and those usually require greater coverage for landlord furnishings. We have solutions for both types of rental property and have options that allow short-term rentals from 1 week to 52 weeks.

What can rental property insurance do for you?

Even though you may not live in your rental properties, you still need to provide a safe environment for your tenants. While rental fees cover regular maintenance, you may face larger restoration costs after a fire or severe storm. Rental property insurance can help pay for those repair bills. Purchasing rental properties is a big investment. Like any business it is important to protect that investment from unforeseen events, so having rental property insurance can help you manage the risks involved with owning rental dwellings.

Get started!

Our agents are ready to assist you. We have several insurance providers to choose from to find the best combination of policy and price. Contact us for more information, call us ar 269-637-1181, or complete our rental request form.

Additional Information:
3 Tips for Vacation Rental Property Owners