Shelter dwelling insurance for rental property offers protection for the following covered losses and liabilities.
Covered Losses
- Fire
- Lightning
- Wind or hail
- Explosions
- Damage by non-owned vehicles
- Smoke
- Riot or civil commotion
- Damage by aircraft
Optional Losses
- Vandalism
- Breakage of glass
- Actions of thieves
- Falling objects
- Weight of ice, snow, or sleet
- Collapse of buildings
- Escape of water from plumbing
- Freezing of plumbing
- Earthquake (not available in all areas)
Covered Liabilities
- Medical expenses for others injured on premises
- Landlord liability
The product information contained on this website is informational only and not a statement of contract. All coverage options are subject to the provisions of the policy purchased and details of the policyholder's situation. Not all discounts are available in all states. For Colorado policyholders or applicants: Discounts are not available for wildfire risk-reduction work done on your property or community-level safety efforts, such as a neighborhood earning a recognized safety status.