Purpose-built for landlords and real estate investors. DP3 policies for 1-4 units with short-term rental coverage (Airbnb/VRBO) available. Fast online quoting and competitive pricing for investment properties.
DP3Short-Term Rental38 States
New biz commission12–15%
AppetiteLandlord-only carrier
Foremost (Farmers)
Rental Dwelling Specialist
4.3
Long track record in rental dwellings and investment property. DP1 and DP3 forms. Competitive for older properties and non-standard rentals. Vacancy coverage available up to 120 days.
DP1DP3Vacancy48 States
New biz commission12–14%
AppetiteBroad — incl. older properties
Openly
Modern Landlord Coverage
4.4
Tech-forward DP3 product with instant quoting and competitive rates for newer rental properties. Strong in well-maintained 1-4 unit rentals. Excellent agent portal experience.
DP3Modern UI30+ States
New biz commission14–16%
AppetiteNewer, well-maintained rentals
Safeco (Liberty Mutual)
Landlord Package
4.1
Solid landlord program with DP3 and multi-policy discounts when bundled with the investor's personal lines. Good claims experience. Limited in CA wildfire zones currently.
DP3Multi-Policy45+ States
New biz commission12–15%
AppetiteStandard rentals, bundled
NREIG
Large Portfolio Specialist
4.2
National Real Estate Insurance Group specializes in investors with 5+ properties. Blanket policies, portfolio pricing, and LLC-friendly coverage. Not for single-property landlords.
PortfolioBlanket50 States
New biz commission10–12%
Appetite5+ property portfolios only