Rental Dwelling

Your local independent agents are ready to help you find the coverage that suits you best.

As a landlord, you focus on maintaining your properties and keeping rental income flowing. So when it comes to insurance, leave it to us. Protect your rental investments with a policy from Auto-Owners.


We offer competitive rates and coverages that can be tailored to your specific needs. Contact your local independent agency to discuss which coverages are right for you.


Dwelling Coverage

Covers your rental home and any attached structures.

Other Structures

Covers structures on your property that are not attached to your rental home, such as a detached garage, shed or pole barn.

Replacement Cost Loss Settlement

In the event of a total loss to your property, we will pay the cost to replace your rental dwelling with the same type and quality of materials. In order to help you determine how much coverage you need, your agent will help estimate your dwelling’s replacement cost.

Functional Replacement Cost Loss Settlement

For homes built before 1940, provides replacement or repair of the dwelling with current construction materials that function the same as the original construction.

Actual Cash Value Loss Settlement

In the event of a total loss to your property, we will pay the actual market value of your home.

Loss of Rents

Covers your loss of rental income when the dwelling is uninhabitable or cannot be rented due to a covered loss.

X-ray view of a house
Protect your rental home investments.
Get Equipment Breakdown coverage today.
Interactive tour

Optional Coverages

Personal Property Coverage

Optional coverage for your personal property.

Landlord Liability

This endorsement provides coverage for incidents where the landlord may be found liable.

Water Backup of Sewers or Drains

Backed up sewers or drains can wreak havoc on a home, causing damage to floors, walls, furniture and electrical systems. Coverage for water backup is available with a wide array of limits to suit your needs.

Increased Cost Endorsement

Coverage that provides an additional 25% above and beyond the dwelling limit, in the event that the dwelling limit is not enough to fully replace the home.

Ordinance or Law Coverage

Sometimes, local ordinances or laws can regulate construction, repair or demolition of the property. If this happens at the time of a loss, this coverage will pay to get you up to code.

Equipment Breakdown

Covers electrical and mechanical failures of equipment at your rental home, from air conditioners and heating units to computers and major appliances. Learn more about this coverage and see how you can protect your rental home. 

Ways to Save

At Auto-Owners, we think that quality rental dwelling insurance shouldn’t break the bank. Check out the following discounts that will help you save big and protect your investment.

Multi-Policy Discount

Receive premium savings when you have other qualifying policies with Auto-Owners.

Life Multi-Policy Discount

Receive premium savings when you have a qualifying life insurance policy with Auto-Owners.

Payment History

You may qualify for a discount if you have paid your premiums on time in the past 36 months.

Paid-in-Full Discount

Save more if you pay your annual policy premium in full and on time.  Discount does not apply for escrow direct bill accounts.

Protective Devices Discount

If you have protective devices such as smoke detectors, deadbolt locks and fire extinguishers, you may be eligible for this discount.


Assuming some of the risk yourself by choosing a higher deductible may reduce your policy premium.

Favorable Loss History

Receive a lower premium for favorable loss history.

Hurricane/Wind Mitigation Discounts

You may be eligible to receive a discount if your property has construction features that help protect your home from wind damage caused by major storms.*

How do I get a quote?

We offer our insurance products through independent agents because of the many advantages they offer you. Use our Agency Locator to find an independent insurance agent near you to get a quote. 

Contact an Agent