Commercial / Property Management

Michigan Property Management & Landlord Insurance

Whether you own a few rentals or manage hundreds of units, the right coverage protects the buildings, your liability as a landlord, and the management work itself. Michigan property-management insurance brings landlord, liability, and professional coverage together.

What we do for property management insurance clients

• Landlord / dwelling-fire policies — DP-1 or DP-3 coverage for single rentals and portfolios — built for tenant-occupied property, unlike a homeowners policy.
• Multi-unit and commercial property — coverage for apartment buildings, mixed-use, and commercial space.
• Premises and management liability — protection for tenant and visitor injury claims and for your management activities (E&O).
• Portfolio shopping — we shop carriers across your whole portfolio for the best combined program.

Who we cover

Rental-property owners, landlords, real-estate investors, and professional property-management companies handling residential, multi-unit, and commercial property across Michigan.

What property-management insurance covers

• Landlord / dwelling property — the rental structure on a DP-1 or DP-3 form.
• Loss of rents — lost rental income while a unit is uninhabitable after a covered loss.
• Premises liability — tenant and visitor injury claims on the property.
• Management E&O — professional liability for your management activities.
• Commercial umbrella — extra liability limits across the portfolio.

Common questions

Do I need landlord insurance for a rental property in Michigan?

Yes. A homeowners policy is for owner-occupied homes and can deny a claim on a tenant-occupied property. Landlord (dwelling fire) coverage is built for rentals — covering the building, loss of rents, and your liability as a landlord.

What's the difference between landlord and homeowners insurance?

Homeowners covers an owner-occupied home and the owner's belongings. Landlord insurance covers a rental's structure, lost rental income, and landlord liability — and excludes the tenant's personal property, which the tenant covers with renters insurance.

What insurance does a property-management company need?

Beyond the property coverage on the buildings, a management company needs general liability, management errors and omissions (E&O), and often a commercial umbrella. We coordinate coverage between owners and managers so nothing falls through the gap.

Can you insure a portfolio of rental properties?

Yes — we shop carriers that handle scheduled portfolios and can package multiple properties for better pricing and simpler management than insuring each separately.