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Protect your rental property with coverage built for landlords - from property damage to liability and rental income options.
Licensed in PA, TX, VA, MD, OH, TN & KY only. Quotes available for these states.
Coverage for the rental structure after covered losses (like fire, wind, or vandalism).
Protection for detached garages, sheds, and fences.
Coverage for legal and medical expenses if someone is injured on the property.
Helps replace lost rental income if a covered loss makes the home uninhabitable.
Coverage for items you provide (like appliances) - tenant belongings are not included.
Common add-ons include higher liability limits, umbrella options, and coverage for specific risks by carrier/state.
Why You Need It
Landlord insurance protects your rental property, your income, and your financial future. From property damage to liability claims, the right coverage ensures your investment stays secureeven when the unexpected happens.
Single-family rentals and first-time landlords.
Multi-unit rentals or higher-value properties.
Landlords protecting multiple properties and higher assets.
Location
Weather exposure, crime rates, and proximity to fire protection affect pricing.
Property details
Age, construction type, roof condition, and updates influence risk.
Occupancy and vacancy
Vacant properties and short-term rentals can require different underwriting.
Coverage choices
Higher limits and lower deductibles typically increase premium.
Claims history
Prior claims can impact availability and pricing depending on carrier/state.
Safety features
Smoke detectors, alarms, and updated systems can help reduce cost.
No. Tenants need renters insurance for their personal property. Landlord policies can cover landlord-owned items like appliances, depending on the policy.
It depends on the carrier and policy form. We can quote options that include loss of rents or fair rental value coverage.
Some carriers have specific requirements for short-term rentals. We'll confirm the correct policy based on your rental type.
Flood is typically excluded and requires a separate flood insurance policy.
Turnaround varies by property details and carrier requirements. We'll confirm timing after we review the basics.
Often yes. Bundling with auto, home, or umbrella can reduce premiums depending on carrier availability.
Many landlords choose higher limits due to increased exposure. We can compare options and recommend a liability strategy.
Vacant properties may require special coverage. We'll help confirm the right approach based on how long it will be vacant.
Quote Support
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Contact Us
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Local Coverage
Dragon Insurance Services is a licensed independent insurance agency at 1525 Cedar Cliff Dr STE 202, Camp Hill, PA 17011. We help rental property owners across Camp Hill, Lemoyne, Harrisburg, Enola, and Cumberland County compare landlord insurance quotes from 30 plus carriers including Safeco and Liberty Mutual.
Whether you own a single-family rental, a multi-unit property, or short-term rental homes, we find landlord coverage that protects your dwelling, liability, and rental income. Call 717-229-5115 or get a quote online.
Locally based in Camp Hill, PA serving clients across Pennsylvania, Texas, Virginia, Maryland, Ohio, Tennessee, and Kentucky.
Blog
Landlord insurance guidance, rental property coverage tips, and risk management for property owners.
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