Homeowner's insurance covers your primary residence and assumes you occupy it. Landlord insurance (also called dwelling fire policy) is designed for non-owner-occupied rentals — it adjusts liability, contents, and income coverage accordingly. You must notify your insurer when a property becomes a rental.

No. Your landlord policy covers the building structure and your personal property inside the unit. Tenants must purchase their own renter's insurance to protect their belongings and personal liability. Matt recommends requiring it in your lease

Standard policies may restrict or exclude coverage after 30-60 days of vacancy. A vacant property endorsement or separate vacant home policy bridges this gap and is strongly recommended, especially during renovation periods.

Yes — a portfolio or blanket property policy covers multiple investment properties under a single policy with one deductible and premium. It simplifies management and can reduce overall costs for landlords with 3+ properties.

Standard landlord policies may not cover short-term rental activity. Specific short-term rental endorsements or separate policies are available for hosts on Airbnb, VRBO, and similar platforms. Matt can find the right fit.

A commercial umbrella policy provides excess liability coverage above your standard property policy limits — often $1-5 million in additional protection. Essential for investors with multiple properties and significant equity exposure.