Landlord Insurance
Coverage for rental homes and investment properties with long term tenants. Often searched as landlord insurance, rental house insurance, rental home insurance, or insurance for rental property.
Landlord, Dwelling Fire & Lessor's Risk Coverage
Virginia Landlord, Dwelling Fire & Rental Property Insurance
Insurance for rental homes, dwelling fire policies, investment properties, short term rentals, apartment buildings, commercial rental property, and lessor's risk exposures across Virginia.
Whether you own one rental house, a small portfolio of dwelling fire properties, an Airbnb or short term rental, an office building, a retail center, a mixed use property, or a commercial building leased to tenants, Ford Agency helps property owners compare practical insurance options.
Markets We Work With
Auto-Owners
Travelers
Windsor Mount Joy
Loudoun Mutual
Cincinnati
Landlord insurance for long term rental homes
Dwelling fire insurance and rental dwelling coverage
Lessor's risk and commercial rental property insurance
Standard and surplus lines options when needed
Property Types We Help Insure
Coverage Built Around How Your Property Is Used
Rental homes and landlord insurance
Dwelling fire coverage for tenant occupied homes
Airbnb and short term rental insurance
Commercial lessor's risk coverage
Apartment and mixed use property options
Rental HomesLandlord and dwelling fire policies
Commercial BuildingsLessor's risk and leased property
Virginia FocusLocal agency guidance
Multiple MarketsStandard and surplus options
Coverage overview
Insurance Options for Rental Property Owners
Rental property insurance is not the same thing as renters insurance. Renters insurance protects a tenant's belongings. Landlord insurance, dwelling fire coverage, and lessor's risk insurance are designed for the person or entity that owns the property.
Important: Rental property coverage depends on how the property is used. A long term rental home, Airbnb, vacant dwelling, apartment building, office building, retail center, or mixed use property may all need to be written differently. Tenant type, lease structure, vacancy, updates, loss history, and building use all play a role in finding the right carrier.
Dwelling Fire Insurance
Dwelling fire policies can be used for tenant occupied homes, rental dwellings, seasonal dwellings, and certain properties that do not fit a standard homeowners policy.
Short Term Rental Coverage
Options for Airbnb, Vrbo, and short term rental properties. These risks need to be reviewed carefully because frequent guest turnover changes the exposure.
Lessor's Risk Insurance
Commercial property and liability coverage for building owners who lease space to others, including office, retail, service, warehouse, restaurant, and mixed use tenants.
Vacant Rental Property
Coverage options for vacant homes, vacant commercial buildings, properties between tenants, renovations, estates, and properties waiting to be sold or leased.
Property Portfolio Reviews
Help reviewing multiple rental properties, LLC ownership, liability limits, umbrella options, loss of rents, building valuation, deductibles, and carrier appetite.
Who we help
Residential and Commercial Rental Property Coverage
We help Virginia property owners insure both personal lines dwelling fire risks and commercial lessor's risk exposures. Some accounts fit standard carriers. Others may need surplus lines placement depending on use, updates, vacancy, losses, tenant type, or property condition.
- Rental homes with long term tenants
- Dwelling fire policies for tenant occupied homes
- Single family rental property insurance
- Duplex, triplex, and small apartment buildings
- Airbnb and short term rental insurance options
- Vacant rental dwellings and properties between tenants
- Lessor's risk for commercial buildings
- Office buildings leased to tenants
- Retail centers and strip shopping centers
- Mixed use buildings with apartments and commercial space
- Warehouse, contractor, or service tenant properties
- Standard market and surplus lines property options
PROPERTY TYPES WE HELP INSURE
Coverage for the Way You Own and Rent Property
Every rental property is different. A long term rental home, short term rental, apartment building, office building, retail center, mixed use property, or investment property can all have different insurance needs based on occupancy, tenant type, and building use.
Personal Rental Property
Landlord insurance Virginia, rental property insurance Virginia, dwelling fire insurance Virginia, rental house insurance, rental home insurance, tenant occupied dwelling insurance, investment property insurance, and vacant rental property insurance.
Short Term Rentals
Airbnb insurance Virginia, short term rental insurance, Vrbo insurance, vacation rental property insurance, guest rental liability, and rental dwelling coverage for changing occupancy.
Commercial Rental Property
Lessor's risk insurance Virginia, commercial rental property insurance, building owner liability, leased building insurance, office building insurance, retail building insurance, warehouse property insurance, and apartment building insurance.
Harder to Place Risks
Vacant building insurance, older rental property insurance, prior loss history, coastal property, mixed use property, restaurant tenant buildings, surplus lines rental property insurance, and properties needing flexible underwriting.
Why Ford Agency
Practical Guidance for Rental Property Owners
Rental property insurance can get confusing quickly. We keep the conversation focused on what matters: property use, tenant type, building value, liability, loss of rents, deductibles, and which carrier actually wants the risk.
Independent Options
We compare multiple carriers instead of forcing every rental property into one company or one form.
Residential and Commercial
We can review dwelling fire, landlord, lessor's risk, apartment, mixed use, and commercial rental property accounts.
Standard or Surplus
If a risk does not fit a standard carrier, we can also look at surplus lines markets when available.
Carrier markets
Insurance Markets We Work With
Market availability depends on property condition, updates, occupancy, tenant type, building age, protection class, location, coastal exposure, loss history, valuation, and the full coverage package needed.
Personal Lines Dwelling Fire & Landlord
Auto-Owners
Windsor Mount Joy
Travelers
Loudoun Mutual
Foremost
American Modern
Commercial Property & Lessor's Risk
Auto-Owners
The Cincinnati Insurance Company
Selective
The Hartford
Utica First
Liberty Mutual
Loudoun Mutual
Good Fit Property Types
One rental house, rental portfolios, LLC owned dwellings, Airbnb properties, vacant rental homes, office buildings, retail buildings, mixed use properties, apartment buildings, warehouses, and commercial buildings leased to tenants.
Questions we hear often
Common Landlord Insurance Questions
These are the questions property owners usually ask when comparing landlord insurance, dwelling fire insurance, and lessor's risk coverage.
Is landlord insurance the same as renters insurance?
No. Renters insurance is for tenants. Landlord insurance and dwelling fire policies are for property owners who rent out homes or dwellings.
Can I insure a house I rent to a long term tenant?
Yes. We write normal dwelling fire and landlord policies for rental homes with long term tenants, subject to underwriting.
Can you insure Airbnb or short term rentals?
Yes, we can look at short term rental and Airbnb options. These need to be reviewed carefully because not every carrier wants frequent guest turnover.
What is lessor's risk insurance?
Lessor's risk is commercial property and liability coverage for building owners who lease space to others, such as office, retail, warehouse, restaurant, or service tenants.
Can I insure an LLC owned rental property?
Yes. We regularly review rental properties owned by LLCs, investment entities, and individual property owners.
Can I insure multiple rental properties on one policy?
Some carriers can schedule multiple rental properties or portfolios depending on the property type, location, occupancy, and overall account.
Request a quote
Request a Virginia Landlord or Rental Property Insurance Quote
Tell us about the property, occupancy, tenant use, building updates, current carrier, loss history, and desired coverage. We can review landlord insurance, dwelling fire insurance, short term rental insurance, lessor's risk, and commercial rental property options.
Rental homes, dwelling fire policies, and investment property insurance
Airbnb, short term rental, vacant rental property, and renovation situations
Commercial rental property, lessor's risk, apartment, office, retail, and mixed use buildings
Standard carrier and surplus lines options depending on the risk
90+
Years of agency history and service
VA
Coverage guidance for rental property owners across Virginia