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Landlord & Rental Property — Mississippi

Protect Your
Investment Property
The Right Way.

A standard homeowner's policy does not cover rental properties. The moment you rent your property to a tenant, you need a landlord policy — or you have no coverage for the building, lost rent, or liability claims.

Get a Landlord Quote →📞 (601) 212-2424
⚠️ Common Mistake: Many Mississippi landlords use their existing homeowner's policy on rental properties. This is a serious coverage gap — most homeowner policies exclude tenant-occupied properties. One claim can result in a complete denial.
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Dwelling Coverage
Covers the rental property structure from fire, storm, vandalism, and covered perils. Set at replacement cost — not what you paid for the property.
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Loss of Rent
If a covered loss makes the property uninhabitable, this replaces lost rental income while repairs are completed. Critical for landlords who depend on rental income.
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Liability Protection
Covers legal defense and damages if a tenant or visitor is injured on your property. Tenant slip-and-fall claims are the most common landlord liability exposure.
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Property Contents
Covers appliances, fixtures, and furnishings you provide as the landlord. Does not cover the tenant's personal belongings — they need renters insurance.
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Multiple Properties
If you own multiple rentals, we can structure a scheduled policy that covers all of them efficiently — often at a lower total cost than individual policies.
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Landlord Umbrella
An umbrella policy above your landlord policy provides additional liability protection. Recommended for landlords with significant equity or multiple properties.
Common Questions

Landlord Insurance FAQs.

Can I use my homeowner's policy for a rental property?+
No. Once a property is rented to a tenant, a standard homeowner policy typically excludes it. You need a landlord or dwelling policy (DP-3) to have proper coverage.
What is a DP-3 policy?+
A DP-3 is a dwelling fire policy designed for rental properties. It covers the structure, loss of rental income, and landlord liability — the three things a landlord needs that a homeowner policy doesn't properly cover.
Does my tenant's belongings get covered under my landlord policy?+
No. Your landlord policy covers the building and your liability. Your tenant's personal property is their responsibility — we recommend requiring tenants to carry renters insurance.
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Get a Landlord Quote →📞 (601) 212-2424