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Rental Dwelling & Landlord Insurance
If you rent out a house, duplex or small multi-family property, a standard homeowners policy usually won't cover it. Rental dwelling insurance, also called landlord or dwelling fire insurance, is designed for properties you own but don't live in. Nothum Insurance helps landlords in Washington and across Eastern Missouri protect their rentals and rental income.
As an independent agency, we compare coverage from multiple insurance companies instead of offering just one company's rates, so you get the right protection at a competitive price.
What Does Landlord Insurance Cover?
A rental dwelling policy can include:
• The building and attached structures
• Detached structures such as garages and sheds
• Loss of rental income after a covered loss
• Landlord liability if a tenant or visitor is injured
• Landlord-owned appliances and furnishings
DP-1 vs. DP-3 Policies
Dwelling policies come in different forms. A DP-1 is a basic, named-perils policy that often pays actual cash value. A DP-3 is broader, open-perils coverage that usually pays replacement cost. We'll explain the trade-offs and recommend the right form for each property.
Additional Coverage Options
Landlords often add:
• Personal umbrella liability, especially with multiple rentals
• Vandalism and malicious mischief coverage for vacant periods
• Water backup coverage
• Ordinance or law coverage for older homes
Remember that your tenants need their own renters insurance for their belongings.
Serving Washington, MO & Surrounding Communities
Nothum Insurance proudly serves landlords throughout:
• Washington, MO
• New Haven, MO
• Union, MO
• St. Clair, MO
• Pacific, MO
• Hermann, MO
• Warrenton, MO
• Sullivan, MO
• Franklin County, Warren County and Gasconade County
• And communities throughout Eastern Missouri
Whether you own one rental or a growing portfolio, we're here to help.
Contact Nothum Insurance
565 Harold Meyer Drive, New Haven, MO 63068
Phone: (636) 283-2012
Email: spencer@nothuminsurance.com
Hours: Monday to Thursday 8am to 5pm, Friday 8am to 4pm, Saturday by appointment
Missouri Agency License #3004329020