Solutions
for Dwellings

If you own a rental dwelling of one to four units, we have the expertise and insurance options you need.

Solutions
for Dwellings

If you own a rental dwelling of one to four units, we have the expertise and insurance options you need.

Solutions
for Dwellings

If you own a rental dwelling of one to four units, we have the expertise and insurance options you need.

Smart Coverage for Rental Dwellings

Your property is a major investment, so you want to keep it (and yourself) financially protected. The right rental dwelling insurance can cover the costs of property damage, liability claims, and even loss of rental income due to a covered incident.

Millers Mutual offers a comprehensive suite of rental property insurance and risk management solutions that make sense for your property and business needs.

Smart Coverage for Rental Dwellings

Your property is a major investment, so you want to keep it (and yourself) financially protected. The right rental dwelling insurance can cover the costs of property damage, liability claims, and even loss of rental income due to a covered incident.

Millers Mutual offers a comprehensive suite of rental property insurance and risk management solutions that make sense for your property and business needs.

Businessowners Policy (BOP)

Combining the benefits of business property, business liability and business income insurance (or business interruption insurance), into one policy can be a key insurance solution for landlords of rental dwellings. It provides greater protection than a dwelling fire policy, and it can also cover loss of rental income.

Employment Practices Liability Insurance (EPLI)

This coverage isn’t just for protection against employee lawsuits. Our EPLI policy also offers coverage for third-party claims, which can provide vital financial protection if you face a costly discrimination lawsuit from a current or prospective tenant. Download our fact sheet.

Data Response & Cyber Insurance

If you own or manage rental properties, you have cyber risk. Regardless of the size of your property, you possess personal information that can be stolen, lost, or otherwise compromised, and you’re at risk for ransomware attacks, too.

Optional Coverage Enhancements

Get the extra protection you need – not just extra bells and whistles. Our Extended Replacement Cost and Extended Coverage Enhancement options provide higher policy limits and added features at a fair price.

Building Lifecycle

Our product can provide thorough coverage when your rental dwelling is undergoing renovations.

Commercial Umbrella Insurance

Get an additional layer of protection for liability claims that exceed the limits of your general liability policy. Coverage up to $10 million is available.

Flood Insurance

Nearly 20% of all National Flood Insurance Program (NFIP) claims happen in areas with only low or moderate flood risk. Because traditional businessowners policies don’t cover floods, having a separate flood insurance policy can be critical.

Renters Insurance

Feel confident that both your property and tenants are covered. All tenants are approved through a streamlined process, with no Social Security or credit checks needed, and an online portal makes it easy to update renters’ info and track their insurance policies.

Tenant Screening

Know who you’re renting to. Even if you don’t manage lots of properties, you can use our SmartMove program to run an online credit check, eviction history check, and criminal background check in minutes.

Fire Prevention Products

Cooking is the top cause of household fires, so we highly recommend these non-insurance products from our trusted partners. Explore the benefits of StoveTop FireStop and get preferred pricing as a Millers Mutual customer. To learn more about fire safety for your rental dwelling, download our fact sheet.

Connect With a Millers Mutual Agent

Find an experienced local agent to discuss your rental home insurance needs.

Find an Agent

Own a Rental Dwelling? Stay Informed.

What should you consider when selecting rental dwelling insurance? Visit our Education Center for risk management best practices and helpful guidance for landlords.

View Best Practices

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