Damage to the property
Review the dwelling or building, landlord-owned belongings, and how losses are valued.
BUSINESS INSURANCE / RESIDENTIAL LANDLORDS
Protect the rental you’ve invested in.
A rental property comes with responsibilities a standard home policy may not address. We help landlords consider the building, rental income, liability, and the way the property is actually used.
THE WORK BEHIND THE BUSINESS
Insurance for residential landlords.
Grounded in your day to day.
Long-term tenants, short-term stays, student rentals, and a property under renovation can be different insurance situations. Start with the occupancy and any changes you have planned.
Rent interrupted
Lost rental income after a covered event depends on the policy. Discuss the time needed to repair and re-let the property.
Tenant and visitor injuries
Premises liability and ownership structure deserve attention alongside the physical property.
A PLAN WITH THE RIGHT PIECES
Coverage that deserves a closer look.
Start with the risks behind your work. We’ll help you explore available options, understand the differences in terms and choose the pieces that make sense for your business.
Commercial Property Insurance
Look at buildings, equipment, stock, valuation, and covered interruption needs.
Explore this coverageGeneral Liability Insurance
Review third-party injury, property damage, and the activities described in your policy.
Explore this coverageCommercial Umbrella & Excess Liability
Review additional liability limits alongside the coverage and conditions of underlying policies.
Explore this coverageThese are starting points for a review, not a complete list or a promise of coverage. Policy terms, exclusions and insurer eligibility apply.
AS YOUR BUSINESS CHANGES
Match the policy to the way you rent
Long-term rentals, furnished units and short stays are not interchangeable. A change in occupancy or a major renovation is a useful reason to revisit your coverage.
Share the property details, rental arrangements and ownership names. We’ll help you review the building, liability and rental income questions for the way the property is actually used.
Talk through your next stepA QUOTE THAT STARTS WITH YOU
What goes into your insurance quote?
Two businesses in the same industry can need very different plans. Alongside your location, claims history, limits and deductibles, these details help shape the conversation.
- Unit count and rental duration
- Construction and maintenance updates
- Annual rents and renovation plans
A LITTLE MORE CLARITY
Your questions.
A useful starting point.
Need to talk through something specific?
Ask Ironhill ↗Does my homeowners policy cover a rental property?
It may not be appropriate for the rental arrangement. Tell us who occupies the property and how it is used so the correct type of policy can be considered.
Can I switch from long-term rentals to short stays?
Review the change before accepting bookings. Short-term occupancy may require different coverage or may be outside the current insurer’s eligibility.
What affects the cost of insurance for residential landlords?
Pricing depends on the work you do, where you operate, your claims history and the coverage you select. Details such as unit count and rental duration, construction and maintenance updates, annual rents and renovation plans help an insurer assess your business. We’ll help you compare the available terms as well as the premium.
Can I request a quote before I have every document?
Yes. Start with your business activities and the information you have. We can help identify what else is needed to explore options. Submitting a request does not put insurance in force.
A CLEAR NEXT STEP
Start with a conversation.
Leave with a clearer picture.
- 01
Tell us about the business.
Share what you do, where you work, and what prompted you to look at insurance.
- 02
Work through the details.
We’ll help identify coverage questions, documents to gather, and options to explore.
- 03
Decide with the details in view.
Review the available terms, limits, and costs before choosing your next step.
YOUR NEXT STEP
Let’s put your business in the picture.
Starting out, approaching renewal, or taking on something new? Tell us where you are. We’ll help you work through what comes next.
Coverage options depend on your operations, location, and insurer eligibility. A request does not bind coverage.