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Landlord (DP-3) explained

6 in-depth guides · updated November 2026

A rental property is a business asset, so it needs a DP-3 rather than an HO-3. This section covers dwelling coverage on rentals, fair rental value after a loss, and the liability questions that come with tenants.DP-3 vs. HO-3: what changes for a rentalFair rental value and lost rent after a covered lossTenant-caused damage and the security depositVacancy clauses and short-term rental exclusions

Claims Process Condo (HO-6) Costs by State Coverage Basics Deductibles Discounts & Bundling Exclusions High-Value Homes Liability & Umbrella Replacement Cost

Landlord (DP-3)

Landlord Insurance (DP-3): Protecting a Rental Property — Arizona Guide

A landlord policy insures the building and the rental income, not the tenant's belongings. DP-3 adds broad-form risk coverage, fair rental value and liability;…

May 16, 2026·3 min read

Landlord (DP-3)

Landlord Insurance (DP-3): Protecting a Rental Property — Pennsylvania Guide

A landlord policy insures the building and the rental income, not the tenant's belongings. DP-3 adds broad-form risk coverage, fair rental value and liability;…

May 10, 2026·3 min read

Landlord (DP-3)

Landlord Insurance (DP-3): Protecting a Rental Property — New York Guide

A landlord policy insures the building and the rental income, not the tenant's belongings. DP-3 adds broad-form risk coverage, fair rental value and liability;…

May 6, 2026·3 min read

Landlord (DP-3)

Landlord Insurance (DP-3): Protecting a Rental Property — Florida Guide

A landlord policy insures the building and the rental income, not the tenant's belongings. DP-3 adds broad-form risk coverage, fair rental value and liability;…

May 2, 2026·3 min read

Landlord (DP-3)

Landlord Insurance (DP-3): Protecting a Rental Property — Texas Guide

A landlord policy insures the building and the rental income, not the tenant's belongings. DP-3 adds broad-form risk coverage, fair rental value and liability;…

Apr 27, 2026·3 min read

Landlord (DP-3)

Landlord Insurance (DP-3): Protecting a Rental Property — California Guide

A landlord policy insures the building and the rental income, not the tenant's belongings. DP-3 adds broad-form risk coverage, fair rental value and liability;…

Jan 14, 2026·3 min read