Guides
Guides for owners of one-to-four-unit rentals
Cost guides, coverage explainers and owner resources, written and reviewed by Nate Jones, CPCU.
Cost Guides
View all 25 →- Cost Guides
What Landlord Insurance Costs in Delaware, Down to the Code
Delaware writes its storm-deductible rule as a list of postal codes rather than a county line. What that does to the cost of insuring a rental here.
- Cost Guides
What Landlord Insurance Costs in Louisiana: Where Rules Live
Louisiana keeps its rental cost answers on different shelves — a statute, an insurance code, a plan’s own manual, a federal map, and nobody’s file.
- Cost Guides
What Landlord Insurance Costs in New Jersey: Two Counts
In New Jersey the carrier, the flood program, the residual plan and two statutes each classify one rental building differently. What that costs an owner.
- Cost Guides
What Landlord Insurance Costs in North Dakota, by Season
A North Dakota rental is priced on dates rather than features — the covering, the melt, the turnover window, and the weeks a unit sits without heat on.
- Cost Guides
What Landlord Insurance Costs in Oregon: The Name on the Form
Oregon shields homeowner insurance from wildfire-map underwriting, then defines that term to leave a rented building out. What the gap does to a price.
- Cost Guides
What Landlord Insurance Costs in Texas When the Wind Moves
On the Texas coast the wind peril moves to a separate policy. Wind-driven rain and loss of use travel with it. The rent is not required to.
Coverage Explained
View all 7 →- Coverage Explained
Does Landlord Insurance Cover Unpaid Rent?
Two questions hide in one phrase. What a policy means by lost rent, why a tenant who stops paying sits outside it, and where that risk is really managed.
- Coverage Explained
How a Landlord Insurance Claim Actually Works
What happens after a loss at a rental: the first hours, who the parties are, what a proof of loss is, how a deductible applies, and the rent side.
- Coverage Explained
What a Landlord Policy Will Not Pay For
Exclusions are not arbitrary. Sorted by the reason each one exists they fall into a few groups, and which group you are in decides your next move.
- Coverage Explained
Which Policy a Rental Building Actually Takes
A building somebody else lives in is written differently from the house you sleep in. What changes, and where your own declarations page answers it.
- Coverage Explained
When a Tenant Damages the Building, What Pays?
Tenant damage is three questions, not one: sudden, deliberate and gradual. Only some of them are insurance questions — where each actually lands.
- Coverage Explained
Is Landlord Insurance Tax Deductible? What to Ask
Two different subtractions share the word deductible. Here is the insurance side of the question, and where a licensed agent stops and a CPA starts.
Owner Resources
View all 8 →- Owner Resources
How to Calculate ROI on a Rental Property, Step by Step
The arithmetic behind a rental ROI figure: what belongs in the return, what counts as invested, and why one building yields several honest answers.
- Owner Resources
Is a Duplex a Good Investment? How to Answer That
A duplex is not an asset class — it is one building in one place. What a two-unit building trades away, and the tests that settle the question.
- Owner Resources
How to Read a Texas Rental Market Without a Ranked List
Texas is several unlike rental markets under one name. How to read a region yourself — tax, wind and hail, flood, supply — and where to check each one.
- Owner Resources
Tracking Insurance Across Several Rental Buildings
What has to be recorded for each rental building you own, why staggered renewal dates cause the most avoidable trouble, and what the record needs to hold.
- Owner Resources
What Buying a Duplex Actually Involves for the Owner
A duplex conveys two live tenancies with it. What the leases, the inspection, the seller’s documents and the insurance timeline ask of a first-time buyer.
- Owner Resources
What Cash Flow Measures, and What It Leaves Out
A cash-flow figure is a claim about what was counted. What belongs in the count, what usually falls out of it, and why the period is part of the claim.
Read the guides, then get the number for the building
Send us the building and the policy you have now. A licensed agent will tell you what it takes to insure, which is the one question none of these pages can answer for you.
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