Property Owner Insurance
for Michigan Landlords
Whether you own a single rental home or manage a portfolio of investment properties, protecting your real estate means protecting your livelihood. Reno Agency helps Michigan property owners find coverage that actually fits.
Get Your Free QuoteWhat Property Owner Insurance Covers
Every property is different. Here’s what a solid property owner policy typically protects against—and why it matters for landlords in Michigan.
Dwelling & Structure Protection
Covers the physical building—roof, walls, foundation, and attached structures—against fire, windstorms, hail, and other covered perils common in Michigan.
Lost Rental Income
If a covered loss makes your property uninhabitable, this helps replace the rent you’d be collecting while repairs are underway.
Liability Protection
If a tenant or visitor is injured on your property and you’re found liable, this helps cover legal defense costs and settlements.
Equipment & Appliances
Covers appliances and equipment you provide to tenants—furnaces, water heaters, washers, dryers—damaged by covered events.
Water & Weather Damage
Michigan weather is unpredictable. Coverage for burst pipes, ice dams, and wind-driven rain protects your investment through harsh winters and spring storms.
Vandalism & Theft
Whether between tenants or during vacancy, your property is covered against vandalism, break-ins, and malicious damage.
Why Michigan Property Owners Choose Reno Agency
We’re an independent agency, which means we shop multiple top-rated carriers to find you the right coverage at the right price. We only offer high-quality options to protect your investment.
Top-Rated Carrier Partners
We compare options from multiple top-rated insurance carriers so you get the best fit—not a one-size-fits-all policy.
Personal Service
You’ll work with a real person who knows your properties, not a call center. We’re here when you need us.
Quick Turnaround
Need a quote before closing? We move quickly so your real estate deals stay on track.
Get a Free Property Owner Insurance Quote
Fill out the form below and a Reno Agency team member will be in touch—usually within one business day.
Frequently Asked Questions
Here are some of the most common things property owners ask us.
**Completion of any request(s) for information does not constitute the purchase of insurance. No coverage may be added, changed or bound as a result of submitting a request for information or quotation of insurance. All coverage must be confirmed by the agency in writing subject to an acceptable signed application meeting the underwriting guidelines of the Insurance Company.