A homeowner policy quietly dies the day a tenant moves in. DP3 landlord coverage insures the dwelling as an income property — including the rent you lose while a covered claim gets rebuilt.
The Coverages.
Dwelling
The structure at rebuild cost, written on a form that expects tenants.
Loss of Rents
The claim that separates landlord policies from homeowner ones: covered damage means covered rent, up to 12 months.
Premises Liability
Tenant trips on the stairs, dog bites the mail carrier — the lawsuit lands on you, not the tenant.
Tenant-Caused Damage
Fire and water damage from tenant negligence stays covered; wear and tear stays yours.
Require renters insurance
Make tenants carry their own policy with you as interested party. It keeps their claims off your loss history — and your loss history is your rate.
Short-term rentals are different
Airbnb-style occupancy needs different appetite and endorsements. Tell us the real occupancy and we'll route carriers that actually want it.
One intake, every carrier with appetite, live tracking, one-click bind. $0 to shop.
Start My Quote How It Works"Four doors quoted in one order, each with its own comparison table. My spreadsheet is retired."
— D. Kim, Lakewood — verified orderWhat The Fleet
Checks.
Occupancy Truth-Check
Long-term, short-term, student — occupancy decides carrier appetite, and the fleet routes accordingly.
Loss-of-Rents Sizing
Rent rolls quoted into fair-rental coverage so a covered rebuild doesn't zero your income.
Entity Structuring
LLC-owned properties quoted to the entity, with umbrella options priced above the portfolio.
The Discounts
That Matter.
Multi-Property
Portfolios rate better than one-offs — each added dwelling improves the book.
Protective Devices
Smoke, water and smart-lock hardware credit on rentals too.
Tenant Screening
Documented screening practices earn credits at several programs.
Claims-Free Portfolio
Clean loss runs are your rate — require renters insurance and keep them clean.
The Vocabulary.
I house-hacked a duplex — which policy?
Owner-occupied multi-family is its own animal; we quote it with the right form. Just describe the occupancy honestly in the intake.
Can I cover four rentals in one order?
Add each property as its own line item — one intake, one comparison table per dwelling.
Go Deeper.
The Learn Hub
Deductibles, liability limits and renewal strategy, decoded in plain English.
// BUNDLEBundle & Save
Price the whole household in one order — bundled and split, side by side.
// PROMISEThe Pearl Guarantee
Accurate at bind, on time or escalated, claims-day advocacy.
// MACHINEHow It Works
The algorithm, the fleet, and the Buy Box — with the audit trail.