Landlord Insurance · Rockford, IL
Rental Property & Landlord Insurance in Rockford, IL
Protect the homes, duplexes and small apartment buildings you rent out. We compare landlord (dwelling fire) policies from multiple companies and cover lost rent, liability and damage.
- ✓1–4 Unit Rentals
- ✓Loss of Rent Coverage
- ✓Bundle Multiple Properties
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One request. Multiple landlord insurance companies compared by a local, licensed agent.
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Coverage Options
What Landlord Insurance Covers
A homeowners policy does not cover a home you rent out. A landlord policy does.
Dwelling
Repairs or rebuilds the rental after fire, wind, hail, lightning and other covered damage.
Other Structures
Detached garages, sheds and fences on the rental property.
Loss of Rent
Replaces rental income while the property is being repaired after a covered loss.
Landlord Liability
Protects you if a tenant or visitor is hurt and claims you are responsible.
Landlord's Property
Appliances, carpeting and maintenance equipment you provide.
Vandalism & Malicious Mischief
Damage caused by vandalism, including by tenants on many policies.
Policy Types
Basic, Broad or Special Form
Landlord policies come in different forms. We explain what each one covers.
DP-1 Basic
Named perils such as fire and lightning, usually paid at actual cash value.
DP-2 Broad
More named perils and often replacement cost on the building.
DP-3 Special
Covers all risks except those excluded, with replacement cost on the building.
Umbrella
Extra liability over all your rentals, home and auto.
Own more than one rental? We can quote them together.
Get My Landlord Quote →Properties We Insure
Coverage for Every Rental
From a single house to a small portfolio.
Single-Family Rentals
Houses rented to long-term tenants.
Duplexes to Fourplexes
Two- to four-unit residential buildings.
Rental Condos
Condo units you rent out, with walls-in and loss assessment coverage.
Vacant & Renovation
Properties between tenants or being rehabbed.
Short-Term Rentals
Airbnb and VRBO properties need specific coverage — ask us.
5+ Units & Portfolios
Larger apartment buildings are written as commercial property.
Service Area
Landlord Insurance for Rockford & the Stateline Area
Rental property insurance in Winnebago, Boone, Ogle and Stephenson counties — plus Wisconsin, Iowa and Indiana.
Ways to Save
Landlord Insurance Discounts
Ask which of these apply to you.
Multiple Properties
Insure several rentals with one company.
Bundle With Home & Auto
Multi-policy discounts with your personal policies.
Updated Systems
Newer roof, electrical, plumbing and heating.
Smoke & Security Alarms
Monitored alarms and detectors.
Claims-Free
No recent claims on the property.
Higher Deductible
A higher deductible lowers your premium.
Tenants should carry renters insurance too — we can quote that for them.
Get My Landlord Quote →| Question | Answer |
|---|---|
| Does my homeowners insurance cover a house I rent out? | No. Homeowners policies are written for homes you live in. Once you rent a property to tenants, you need a landlord (dwelling fire) policy. |
| What is the difference between DP-1, DP-2 and DP-3? | DP-1 covers a short list of named perils, usually at actual cash value. DP-2 adds more named perils and often replacement cost. DP-3 covers all risks except exclusions, with replacement cost on the building. |
| Does landlord insurance cover my tenant’s belongings? | No. Tenants need their own renters insurance for their belongings and liability. Many landlords require it in the lease. |
| What is loss of rent coverage? | If a covered loss makes the property unlivable, loss of rent coverage replaces the rent you would have collected while it is repaired. |
| Do you insure Airbnb and short-term rentals? | Yes, but short-term rentals need specific coverage. Standard landlord policies may not cover them. Tell us how the property is rented and we will quote the right policy. |
| Can I insure a vacant rental property? | Yes. Vacant and renovation properties need a vacant dwelling policy or endorsement. Let us know when a property is between tenants. |
| How much does landlord insurance cost? | Rates depend on the property’s age, condition, location, number of units, coverage form and deductible. We compare companies to find your rate. |
| Do you insure apartment buildings with 5 or more units? | Yes. Buildings with five or more units are written as commercial property. We handle those too. |
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One application. 30+ carriers. A licensed agent reviews every quote.