Landlord Insurance in Canton & Plymouth, MI
Own a rental property in Canton, Plymouth, or anywhere in Metro Detroit? A regular homeowners policy usually won't cover a tenant-occupied home. Our agency writes landlord (dwelling fire) policies built for rental properties — protecting the building, your rental income, and you personally if a tenant or guest is injured.
Built for rental properties
A landlord policy covers the structure against fire, wind, and other covered losses, plus landlord-owned contents like appliances. Most importantly, it includes liability protection designed for the risks of renting — something a standard homeowners policy isn't written to handle once a tenant moves in.
Protect your rental income
If a covered loss makes your property unlivable, loss-of-rents coverage keeps the income flowing while repairs are made — so a house fire doesn't also become a mortgage problem.
One agent for your whole portfolio
Whether you own one rental on the side or several properties across Wayne County, we can review every property under one roof — and make sure your personal auto, home, and umbrella coverage all work together with your rentals.
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Frequently asked questions
Can I use my homeowners policy for a rental property?
Generally no — once a home is tenant-occupied, most homeowners policies no longer apply. You need a landlord (dwelling fire) policy written for rentals. We'll review your situation for free before anything is changed.
Does landlord insurance cover my tenant's belongings?
No — your tenant's personal property is covered by their own renters policy. Many landlords require tenants to carry renters insurance; we can help your tenants get it affordably too.
What does loss-of-rents coverage do?
If a covered loss like a fire makes the property unlivable, it replaces the rental income you lose during repairs, up to your policy limits — protecting your cash flow while the home is restored.
Coverage cannot be bound or altered via email or this website — please call the office to confirm any change to your policy.