Need Cincinnati Landlord Insurance?

If you are a real estate investor call 513-662-7000 and we can help you secure the best Cincinnati landlord insurance coverage through our independent insurance agency.

The Special form for landlord coverage is the best policy that you can obtain for your rental properties in Cincinnati. Unlike DF-1 and DF-2 policy forms this policy form offers all risk coverage under coverage A and Coverage B except for losses excluded in Section I – Property Protection Exclusions.

To find a company offering cheap landlord insurance in Cincinnati click here.

If you recall the DF-1 and DF-2 policy forms only extend coverage for what is named in the policy.  If something happens to your rental and the peril is not listed in the policy you have no coverage available.

Keep in mind the DF-3 does not provide unlimited coverage for all situations. Exclusions, limitations of coverage and terms and conditions of coverage are listed, read the entire policy carefully.  Additionally do not assume that each DF-3 policy is identical to other companies DF-3 policy form. (READ YOUR INDIVIDUAL POLICY)  Click here to review typical coverage exclusions for the DF-3 policy form in Cincinnati.

Which Landlord Policy Is Best?

The DF-3 definitely provides the best coverage due to the fact that this coverage is the most comprehensive of the three policy forms, it’s also the most expensive.

There are also additional stipulations or conditions to obtain the DF-3 policy form.  You are required to insure your rental property to 80-100% of the replacement cost of the building.  This option may likely require you to insure your property for an amount much greater than what the market value dictates.  This is particularly true with older homes found in our area.

As is true with all insurance policies make sure that you check the terms, conditions, and exclusions.  Never assume that coverage is identical between company to company.   If you’re not sure which policy is best for your circumstances please feel free to contact us as we can help you choose a plan that will meet all of your individual needs.   

Additionally there is one other factor that you need to be cautious about, if your single-family residence for apartment building is vacant make sure that you purchase an Ohio vacant landlord insurance policy.  

Call Pathway Insurance to Find the Best Ohio Landlord Insurance

We specialize in helping landlords to secure the best coverage for their circumstances. To find an insurance company offering the best premium rates for rental insurance policies in Cincinnati Click here.   Or please call 513-662-7000.