Rental Property

Save up to 30% on your business insurance

"Insure your Rental Property – Coverage Cowboy is your Lease of Mind!"

At Coverage Cowboy, we specialize in providing comprehensive insurance for rental properties. Our policies are designed to protect your investment from unexpected damages and liability, ensuring you can rent out your property with peace of mind.

Whether your rental is a single-family home, a duplex, or a large apartment complex, we have the right insurance policy to meet your needs. Our experienced agents are here to guide you through the process and help you find the best coverage for your rental property.
  • General Liability
  • Workers' Compensation
  • Commercial Property

Check out more professions covered by Coverage Cowboy

We’ll help you get the insurance coverage you need for your business.

See the different policies available for Rental Property businesses and save up to 10% when you bundle!


General Liability

Bought by 95% of business owners like you

Owning a rental property is like running a small business, and just like any business, it’s crucial to protect yourself from unexpected events. General liability insurance comes into play when, for example, a tenant slips on a loose floorboard and decides to sue for damages. This insurance can help cover legal costs and potential payouts, keeping your rental business steady and your mind at ease.

General Liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Commercial Auto

If you own a rental property business, commercial auto insurance is incredibly important. Let’s say one of your employees is driving your company van to fix a broken pipe in one of your properties, and unfortunately, they get into a fender-bender. With commercial auto insurance, you won’t have to worry about the financial burden of repairing the van or any potential medical bills, letting you focus on keeping your properties in top shape.

Commercial Auto can help you pay for:

Medical expenses

Collision repairs

Rental reimbursement

Workers' Compensation

If you own a rental property business, workers’ compensation insurance can be a lifesaver. Let’s say one of your maintenance workers slips while fixing a leaky roof at one of your properties; this insurance would cover their medical bills and any lost wages. So, in a nutshell, it protects you from potentially massive costs and ensures your team can work safely, knowing they’re covered if accidents happen.

Workers' Compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners that own or rent physical spaces

Running a rental property business can feel like a juggling act, especially when it comes to the unexpected. That’s where commercial property insurance comes in handy. Say, for example, a fire breaks out and damages a few of your apartments, this type of insurance can help cover the costs of repairs, allowing you to get your business back on track without draining your savings.

Commercial Property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

Frequently Asked Questions about Rental Property business insurance

How does business insurance protect rental property owners?

Business insurance protects rental property owners in several ways. Firstly, it covers property damage due to unexpected events like fire, storms, or vandalism. Secondly, it provides liability coverage if someone gets injured on your property. It also covers loss of income if your property becomes uninhabitable due to a covered loss. Remember, each policy is unique, so it’s vital to understand what your policy covers and what it doesn’t.

What do I need to get an insurance quote?

Getting a rental property insurance quote is simple and straightforward! Here’s the information you’ll need:

  • Property type and location
  • Property’s approximate square footage
  • Property construction details (e.g., type of roofing, plumbing, heating, and electrical systems)
  • Number of units and their individual market values
  • Current occupancy status
  • Any additional features (e.g., swimming pools, fireplaces, security systems)

Armed with this information, you’re ready to request an insurance quote for your rental property. Coverage Cowboy is here to help you protect your investment with the right coverage!

Can I add an additional insured to my business insurance coverage?
Absolutely! It’s easy to add an additional insured to your business insurance policy to provide protection for a specific project or to meet a contractual requirement.

At Coverage Cowboy, we understand the importance of having the right coverage for your business, and we’re here to help you every step of the way. We’re happy to inform you that we offer the option to add additional insureds to your policy.

This is done to give peace of mind knowing that all parties involved in your project or contract are covered in the event of any unexpected losses or liabilities. It’s a simple process, and one of our insurance experts will be happy to guide you through it.

Don’t hesitate to reach out to us, we’d be more than happy to help you add an additional insured to your business insurance policy today!
How can I get a Certificate Of Insurance (COI)?
Once you sign up and purchase your business insurance, you will instantly have digital access to your COI via mobile or PC.


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Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.

Our live and friendly U.S.-based insurance experts are standing by to help you with all your insurance needs.