201 N Frederick Ave, Gaithersburg, MD 20877
201 N Frederick Ave Gaithersburg, MD 20877
info@tramsinsurance.com
+1 240-842-9293
Insurance Professionals that have your back.

Rental

🏠 Rental Property Insurance

What is Rental Property Insurance?
Rental Property Insurance—also called Landlord Insurance—protects property owners who rent out homes, condos, or apartments. It covers the structure itself, liability risks, and even lost rental income due to covered damages or events.

Unlike a homeowner’s policy, this coverage is designed specifically for non-owner-occupied properties. Whether you manage one rental or several, this policy is built to safeguard your investment and income stream.

💡 Key Coverages Include:

  • Dwelling protection for the physical structure

  • Landlord liability coverage in case of tenant or guest injury

  • Loss of rental income if your property is damaged and uninhabitable

  • Vandalism, fire, water, and storm damage protection

  • Optional add-ons like appliance coverage or legal fee protection

Turning your worry into peace of mind.
Insurance options made simple.

🔧 Is Rental Property Insurance Required?

If you have a mortgage on the rental property, your lender will likely require it. Even if not required, it’s highly recommended to protect your investment, cover liability risks, and ensure financial stability as a landlord.


📦 Bundle & Save

Ask about bundling your Rental Property Insurance with your Home, Auto, or Umbrella policy for multi-policy discounts and simplified management.

Insurance benefits

Protect your rental property from unexpected damages, liability claims, and loss of income. Our landlord insurance plans keep your investment safe and secure year-round.

Perfect solution

Whether you own a single rental or manage multiple properties, we offer flexible, affordable protection with expert local support—so you're always covered, no matter what.

Our benefits

Tram’s Rental Property Insurance is designed with landlords in mind:
Coverage for fire, theft, storm damage, and vandalism
Landlord liability protection for tenant injuries or claims
Optional coverage for lost rental income
Fast claims process and local guidance you can trust

Can I cover multiple rental properties under one policy?

Yes, we offer flexible options for landlords with multiple properties.

Does this cover tenant belongings?

No, tenants should carry renters insurance. Your policy covers the structure and your own liability.

What happens if a tenant sues me?

Your landlord liability coverage helps protect you legally and financially in such situations.