Landlord & Rental Insurance

Did you know that you need an additional policy if you have people renting your property? Get coverage today.

What You Need To Know

Landlord & Rental Insurance Coverages

Perils and more

A dwelling fire policy is similar to a homeowner’s insurance policy.  A person who owns a house and lives in that house would have a homeowner’s insurance policy on the residence.  A person who owns a house, but rents it out to someone else, would have a dwelling fire policy on the residence.  Dwelling fire policies are often slightly more expensive than a homeowners policy because there is a renter, not the owner, living in the home. Your standard dwelling fire policy offers protection for your home and other permanent structures on your property for the following perils:

  • Fire or lightning
  • Aircraft
  • Volcanic eruption
  • Smoke
  • Vehicles owned by others
  • Riot or civil uprising
  • Hail or windstorm
  • Explosion

Additional Coverages

Total loss, vandalism and more

    ACTUAL CASH VALUE COVERAGE FOR TOTAL LOSSES

    If the home or other structures are ever destroyed or damaged due to a covered loss, we will pay the Actual Cash Value for the loss.

    REPAIR COST COVERAGE FOR PARTIAL LOSSES

    Most losses are partial – which means, the home has sustained some damage due to a covered loss, and needs repair. We’ll pay the cost to repair the damage, unless that cost exceeds the actual cash value of the property. In those rare cases, we will pay the actual cash value for the loss.

    COVERAGE FOR OTHER STRUCTURES

    The policy protects detached garages and sheds on your property against loss, too – at 10% of the overall dwelling coverage limit. Just like with the home, the loss that caused damage to the other structure must be one of the perils listed on the policy.

    PERSONAL PROPERTY COVERAGE

    This optional coverage helps protect the homeowner’s personal property against damage caused by named perils.

    FIRE DEPARTMENT SERVICE CHARGE COVERAGE

    If the fire department needs to come to the home, the homeowner may be billed for the trip they make. Our policy pays for the charge, up to $500. 

    REASONABLE REPAIR COVERAGE

    Sometimes, homeowners need to make immediate repairs to the home to guard against additional damage. For instance, you may need to cover your roof if a windstorm blows part of it away. Our policy reimburses policyholders for reasonable repair expenses incurred to protect your home against further damage.

    VANDALISM & MALICIOUS MISCHIEF

    Optional coverage that protects against this type of damage.

    PERSONAL LIABILITY COVERAGE

    An optional coverage that protects our customers should they be held liable for accidents: that happen to other people while they are on the insured property; that are caused by the customer’s own negligence when away from the insured property.

    PREMISES LIABILITY FOR RENTAL HOMES

    This optional coverage is important for our customers who rent out their homes to others. It protects the customer if they are held liable for accidents that happen to other people while they are on the insured property.

    BURGLARY COVERAGE

    Optional coverage that protects the home and personal belongings for their actual cash value, if someone forces entry into the home. This coverage is not available in all states, ask your agent for details.

    OPERATING HOURS

    Monday to Friday: 8:30 AM - 5:30 PM
    Saturday & Sunday: Closed

    ADDRESS

    6355 Ward Rd. Unit 307
    Arvada, CO 80004
    Farmers Insurance logo

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