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Landlord Insurance​

Protecting Your Investment Property

What’s Landlord Insurance?​

Owning and renting out your property is a smart and exciting investment. As a landlord, you know the importance of protecting yourself from surprises and focusing on keeping it in top shape with the right coverage. With Pacific Specialty Insurance Company (PSIC), you can safeguard your assets and have peace of mind. You can find more about it in Landlord Insurance explained

We Got You Covered

Our standard Landlord Insurance coverage protects you from the following scenarios. Have in mind that you can also customize your coverage with a Landlord quote that fully fits your needs.

Dwelling

Protects the main structure of the property against damage from events such as fire, vandalism, and much more.

Other structures

Safeguards detached structures such as sheds, workshops, and garages.

Loss of use

Covers lost rental incomeif your property is damaged and needs repair.

Let’s Talk About Tenants

We understand the nuances and risks associated with different types of tenants. Here is how we classify them.

Long-term rental

The traditional rental model, where the rental contract has a minimum term of 6 months.

We do NOT offer short-term rental on a permanent basis, such as Airbnb or similar platforms. The reason is because these are considered as business arrangements and we cannot cover them.

What Landlord Policy Doesn't Cover

Tenant’s personal belongings

This coverage is offered on Renters Insurance.

Repair of home appliances

This coverage is offered on Renters Insurance.

Flood damage

Add a Flood Insurance policy to get this protection.

Save Money on Insurance

We know that every dollar counts. At Pacific Specialty, we strive to help you save on your Homeowners Insurance coverage.

Bundle and save

Get two or more active policies with PSIC and enjoy a fidelity discount.

Gated community discount

Reduce your premium if your property is located in a permanently locked gated community.

Security system discount

Install a fire or burglary alarm in your house to reinforce its security and reduce your premium.

How to Get Landlord Insurance?

We offer Landlord Insurance through two different products: Basic Dwelling (DP1) and Special Dwelling (DP3). Since the difference between them can be tricky, we recommend you contact a producer, so that you can get the best coverage according to your needs.

Explore Landlord Insurance in Your State

If you want to learn more about how can you customize your policy, please select your state 
and view the Landlord Insurance specifics.

We plan to expand our Landlord Insurance coverage nationwide soon, ensuring all landlords the benefit of our reliable insurance solutions.

PSIC in Our Customers' Words

Our best recommendation letter is having advocate customers. We invite you to read what they have to say about their experience with Pacific Specialty Insurance Company.

It’s All About Insurance!

Learn about insurance coverage, safety tips, money-saving options, do’s & don’ts, news, and much more in the resources section.

Safety Tips for Dog Owners

Pets become cherished members of our family, but it’s crucial to recognize that they have unique needs and can behave unpredictably at times. Therefore, it’s important to take proper precautions to protect them and also ensure the safety of those around them. Let’s go over some tips to make this happen.

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10 Sep 2024
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Advantages of Living in a Gated Community

From enhanced safety and privacy to a strong sense of belonging, living in a gated community offers a wider range of benefits than traditional neighborhoods do. Discover the numerous advantages that come with this lifestyle, we’ll address common questions and provide insights into the advantages of this experience.

Blog

10 Sep 2024
4 min read

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Which Dwelling Fire Policy to Choose?

There isn’t a right or wrong choice of coverage, all it has to do is fit your needs. DP1 Insurance provides basic protection of your property from a detailed list of perils, DP3 Insurance offers a broader scope of coverage, except for a few perils, also mentioned in your policy.

FAQ

FAQ

What is DP3 Insurance?

DP3 Insurance, also known as Special Dwelling Insurance or Open Peril Insurance, is a protective buffer for your rented, primary owner occupied or seasonal property. It’s specifically designed to keep your home and assets safe with an open peril policy, covering a wide scope of potential risks, with a few exceptions.

FAQ

FAQ

Different Needs?

Homeowners Insurance was not the product you were looking for? Are you still looking for another type of coverage? Discover all the insurance options that Pacific Specialtycan offer you!