American Family b꧃oasts the best customer complaint record in Investopedia’s study. It offers online claims and quotes.

The company also provides coverage for short-term rentals and 澳洲幸运5开奖号码历史查询:vacant homes, which protects property when it’s between tenants or undergoing renovations. American Family also sells commercial umbrella liability co🍸verage, providing extra protection against risks such as injuries on your property and lawsuits.

Howev☂er, American Family’s coverage is limited to 19 states, and while you can get a ওquote online, you must contact an agent to complete the application process.

American Family🐭 was founded in 1927 and is ☂based in Madison, Wisconsin. 

Steadily distinguishes itself from other insurers by offering an all-digital experience, with online claims, quotes, and applications, helping to streamline the experience for landlords. It also provides coverage for short-term rentals. Steadily focuses mainly on one꧒- to four-family homes.

The company operates in all 50 states, and unlike many other online platforms, it’s an insurance carrier and a managing general agent. This means it handles everything from providing a quote to underwriting your policy and handling claims, so🅰 your experience should be consistent fr༒om start to finish.

However, having just launched in 2020, Steadily is a relatively new player in the insurance market. It lacks the customer complaint and 澳洲幸运5开奖号码历史查询:financial strength ratings, as well as the reputation tha🃏t more established insurers have.

Steadily is headquartered in Austin, Te🍸xas, and Overland Park, Kansas.

Landlords seeking the most robust coverage should consider BiBerk, which has the highest liability insurance claim limits of the companies Investopedia reviewed, at $2 million per claim. The company also provides conv🌠enient online claims filing, quotes, and applications.

BiBerk, backed by Warren Buffet’s company Berkshire Hathaway, is financially strong and likely to pay out future claims. The company markets a few policies to landlords, including a 澳洲幸运5开奖号码历史查询:business owner’s policy (BOP) that combines g𒊎eneral liability insurance with coverage for your property. BiBierk’s BOP includes business interruption coverage, which can replace lost rental income if a covered event damages your property.

But it’s worth noting that when you buy a policy through BiBerk, it will typically be provided by one of these three insurance companies: Wellfleet, Berkshire Hathaway Direct or National Liability & Fire Insurance Company. While these companies are financially strong, Wellfleet and Berkshire Hathaway Direct receive more complaints than expected for companies their size. BiBerk🍒 handles many claims in-house, but your customer experience may vary if youܫr claim is handed off to one of its partnering companies.

BiBerk is part of Berkshire Hathaway, 🃏which is based in Omaha, Nebraska.

Travelers has been recognized for its 澳洲幸运5开奖号码历史查询:strong finances, showing that it’s stable enough to protect an investment as valuable as your property. It can serve a wide range of landlords, ♊from those with smaller properties to those managing🦋 larger buildings.

The standard landlord policy from Travelers is generally designed to cover rental properties containing one to four units. It includes property, liability, and loss of use insurance, which helꦫps offset lost rental income if your rental property becomes uninhabitable due to a c𒐪overed event, like a fire. For larger properties, its Travelers Deluxe property insurance policy extends coverage for lost income for 180 days, with options to increase it further. It also has a wide selection of business coverages.

However, Travelers does not offer online quotes. You’ll nee♔d to contact an agent to get coverage.

Travelers was founded in 1864 and is 🧔based in Hartford, Connecticut.

Proper Insurance is designed for people who rent their property for short periods, like through Airbnb or Vrbo. It protects against the spꦗecific problems that come with short-term rentals.

For example, Proper offers landlords higher liability coverage limits (up to $3 million) than its competitors. This is important because short-term rentals often have more people coming and going, which could increase the risk of accidents and lawsui꧟ts. Proper also covers problems that regular landlord insurance often doesn’t, such as damage caused by pets, theft by guests, and infestations from fleas or bedbugs. 

Proper Insurance policies are provided by Lloyd’s of London and Concert Speciality Insurance. While Lloyd’s, in particular, has a high complaint rate, Proper handles its own customers’ claims and receives positive reviews.

Pro൲per was founded in 2014, and its offices a🌠re in Montana and Maryland.