Rental Property Insurance

Safeguard your rental property from potential risks, liability claims, and income loss.

Security for Your Investment & Income Stream

At Manna Insurance, we understand the unique needs and concerns of property owners and landlords.

Working with us means you have a dedicated team of experts who can navigate the complexities of rental property insurance for you.

Whether you own a single rental unit or an entire portfolio of properties, we can tailor a policy that suits your specific needs.

With us, you're getting the assurance that your investment is secure, and your income stream is protected against unexpected events like property damage or liability claims.

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So what coverage do I need?

Helping You Be One of the World’s Best Landlords

Dwelling

This is the primary component of rental property insurance. It covers damage to the structure of your rental property, including the walls, roof, foundation, floors, and built-in appliances. Dwelling coverage can help repair or rebuild the property in case of damage from covered perils like fire, storms, or vandalism.

Personal Property

While your tenants are responsible for insuring their personal belongings, you may want to consider personal property coverage for any items you own on the property, such as appliances or furniture provided as part of the rental.

Loss of Rental Income

If your rental property becomes uninhabitable due to covered damage, loss of rental income coverage can reimburse you for the rental income you would have received during the repairs. This helps offset the financial loss while your property is being restored.

Liability

Liability coverage is crucial for landlords. It protects you from financial liability if a tenant or visitor is injured on your property and sues for damages. It can also cover legal fees and medical expenses.

Medical Payments to Others

This coverage can provide payment for minor medical expenses incurred by a tenant or visitor who is injured on your property, regardless of fault. It can help prevent small incidents from escalating into larger liability claims.

Additional Structures

If your rental property has detached structures like a garage, shed, or fence, additional structures coverage can protect them from damage or destruction.

Vandalism & Malicious Mischief

This coverage helps protect against intentional acts of vandalism or damage to your property.

Fair Rental Income Protection

This coverage can help cover the loss of rental income if your property becomes uninhabitable due to a covered peril, even if you have no tenants at the time.

Landlord Liability Umbrella

For additional liability protection beyond the limits of your primary policy, you can consider an umbrella policy. It provides a higher level of liability coverage.

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Ways to Save on Rental Property Insurance

Consider bundling your rental property insurance with other insurance policies, such as homeowners or auto insurance, under the same provider. Bundling can lead to discounts and cost savings.

Bundle with Homeowners

Implement safety measures and regular property maintenance to reduce the risk of accidents and property damage. Insurance providers often offer lower premiums to landlords who can demonstrate strong risk management practices.

Mitigate Risk

We will obtain quotes from multiple insurance providers or brokers who specialize in rental property insurance. We will then help you compare coverage options, deductibles, and premiums to find the most cost-effective policy that meets your specific property's needs.

Work with a Broker

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Frequent Questions About Rental Property Insurance

Insurance can be complicated and confusing. We’re here to help answer your most common questions about rental property insurance coverage.

While it's not legally required, rental property insurance is highly recommended for landlords. It provides financial protection against various risks and liabilities that can arise when renting out a property.
Homeowners insurance is designed for owner-occupied homes, while rental property insurance is tailored for properties that are rented out. Rental property insurance typically includes coverage for rental income loss and may have higher liability limits.
No, rental property insurance generally doesn't cover a tenant's personal belongings. Tenants should purchase renters insurance to protect their own possessions.
Yes, landlords can often add endorsements or riders to their rental property insurance for additional coverage, such as flood insurance, earthquake coverage, or vandalism protection.
If a tenant causes damage to your property, you may file a claim with your rental property insurance to cover the repair costs. Keep thorough records and documentation to support your claim.
Yes, rental property insurance typically includes liability coverage. This protects you if someone is injured on your rental property, and you're found liable for their injuries.
Yes, whether you're renting your property long-term or through short-term platforms like Airbnb, having rental property insurance is crucial. However, you may need specialized coverage for short-term rentals.

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More Coverage Options

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Protect your property investment from a wide range of risks, including property damage, liability claims, and income loss.

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Kind Words from Our Customers:

Ciarra Flint

★ ★ ★ ★ ★
Kyle and Jen are incredible! They walked me through the whole process and were so patient with all of my questions and fully explained everything to me! Thank you so much!
AJ Johnson

★ ★ ★ ★ ★
The entire staff at Manna Insurance is personable and professional. Rare these days. We are very satisfied with our new policies. We highly recommend Manna!
Emily Kooistra

★ ★ ★ ★ ★
Last year my home suffered some roof damage due to wind storms. Daniel and Kailey were quick to offer help in any way. Both went above and beyond in communicating with the insurance company to ensure that I was taken care of quickly and efficiently. I would highly recommend Manna Insurance to my family and friends!