Landlord & Rental Property Insurance in Michigan
Your homeowners policy won't cover a rental property. We protect West Michigan landlords with the right coverage for their investment — structure, liability, and lost rent.
What Is Landlord Insurance?
Owning rental property in West Michigan is a great investment — but it comes with unique risks that a standard homeowners policy simply won't cover. The moment you rent out a property (even part-time), your homeowners coverage is voided for that property. Landlord insurance (also called a dwelling fire policy or rental property insurance) is specifically designed for properties you own but don't occupy, protecting your structure, your rental income, and your liability exposure as a property owner. Whether you own one rental home or a growing portfolio, Knight Family Agency builds the right coverage for Michigan landlords.
Knight Family Agency serves West Michigan with Farmers Insurance products tailored to Michigan families and businesses.
What's Included
Covers the building itself — walls, roof, foundation, and permanent fixtures — against fire, wind, hail, vandalism, and other covered perils.
Covers legal and medical costs if a tenant or visitor is injured on your property and holds you responsible.
If a covered event makes your property uninhabitable, this pays your lost rent while repairs are made — protecting your cash flow.
Covers detached garages, fences, sheds, and outbuildings on the rental property.
Covers appliances and fixtures you own and provide to tenants — refrigerators, stoves, and washers/dryers.
Includes coverage for intentional damage caused by tenants or third parties — a risk unique to rental properties.
Who Needs This Coverage
The moment a property is rented, standard homeowners coverage is void. Landlord insurance is not optional — it's essential.
Renting out even one room changes your risk profile. We review your situation to determine the right coverage structure.
Portfolio policies and umbrella coverage can efficiently protect multiple properties — we build the right structure.
Short-term rentals have specific insurance needs. We evaluate whether a landlord policy, a rider, or specialty coverage is appropriate.
Older rentals may have deferred maintenance that creates liability exposure. Proper coverage is especially important.
Moving out and renting your home requires a policy change. We handle the transition smoothly.
Frequently Asked Questions
Protect Your Rental Investment the Right Way
Standard homeowners coverage doesn't cover rentals. Get a landlord policy built for Michigan property investors.