Landlord Insurance for Residential Property Owners

If you own up to 10 residential rental properties, landlord insurance helps protect your investment, rental income, and liability exposure. At Insured Me Direct, we specialize in insurance solutions for property owners and investors, making it easy to secure the right coverage—fast.

What Is a Dwelling Policy (DP-3)?

A Dwelling Fire Policy – DP-3 is one of the most comprehensive insurance options available for landlords. It is designed specifically for non-owner-occupied rental properties, such as single-family homes, duplexes, triplexes, and small multi-family buildings.

What a DP-3 Policy Typically Covers

• Dwelling Coverage
  Protects the structure of your rental property against covered perils such as fire, wind, hail, vandalism, and theft.

• Other Structures
  Covers detached structures like garages, sheds, or fences on the property.

• Loss of Rents (Fair Rental Value)
  Helps replace lost rental income if the property becomes uninhabitable due to a covered loss.

• Landlord Liability Coverage
  Provides protection if you are held legally responsible for bodily injury or property damage occurring at the rental property.

• Optional Coverage for Contents
  Covers landlord-owned items such as appliances or maintenance equipment.

Coverage options can be tailored based on property type, location, and how the home is rented.

Ideal for Landlords With Multiple Properties

Whether you own one rental home or a portfolio of up to 10 residential properties, a DP-3 policy can be structured to match your investment strategy while helping control insurance costs.

We insure:

• Single-family rental homes

• Duplexes, triplexes, and fourplexes

• Small residential investment properties

Get a Quick Landlord Insurance Quote Today

At Insured Me Direct, we work with multiple top-rated insurance carriers to help you find competitive rates and coverage options—without the hassle.

• Fast quote turnaround

• Access to multiple insurance markets

• Coverage designed for rental property owners

  Request a quick quote today and see how easy it is to protect your rental properties with confidence.