RENTAL PROPERTY INSURANCE SPECIALISTS
Umbrella Insurance for Landlords & Rental Property Owners
Rental properties create liability exposure beyond damage to the building itself. As the number of properties grows, landlords should review not only each property's liability limit but also whether additional umbrella or excess liability protection makes sense.
McKinnon Insurance Agency helps Ohio rental-property owners look at the liability picture across the portfolio.
Why landlords review umbrella protection
A landlord policy can include premises liability, but the limit on an underlying policy is not unlimited. An umbrella or excess liability policy may provide additional limits above qualifying underlying policies, subject to its own terms, exclusions and required underlying limits.
The right structure depends on how properties are owned, which policies insure them and whether ownership is consistent across the portfolio.
Bring the whole portfolio to the conversation
We'll want to review rental addresses and underlying carriers, liability limits on each property, personal versus LLC ownership, other personal or business exposures, and existing umbrella or excess policies.
Foremost's landlord materials identify liability as an available landlord coverage. Separate umbrella availability and eligibility must be reviewed for the specific insured and underlying policies.
Rental-property insurance specialists serving Ohio
Our team works with landlords and property investors from our Dover office and Navarre office, serving property owners across Ohio.
Explore landlord and rental property insurance, business insurance and umbrella insurance.
Coverage, eligibility and availability vary by state, carrier, property and policy. The issued policy controls coverage.