Rental Property Insurance

You checked out the pros and cons of investing in a residential rental property and becoming a landlord. Next step, is making sure you have the right insurance coverage to protect your investment. Middlesex Mutual Insurance can help.

Our Middlesex agents are a great resource to help you navigate the process and find the right coverage for you.

Let's get started!


Your investment property must meet a few benchmarks first:

  • Typically, we must insure your primary home
  • Your investment property must be for residential purposes only with a maximum of four (4) rental units per building.

Our rental property insurance offers coverage for your:


There are many different types of residential rental properties that we insure including:

  • Single family dwelling
  • Duplex
  • Triplex
  • Fourplex
  • Rented condominium

If your residential rental is not listed here, please speak to one of our agents for additional information.

We offer flexible options to help you protect your hard earned investment.

Landlord's property

We have insurance for contents you own in the rental property including:

  • Washer and dryer
  • Lawnmower
  • Property which is usual to the ownership or maintenance of a residential rental property

Rental income

As a landlord the rental income you receive from your tenant is an important part of your investment. Our rental income coverage can help by replacing your lost rental income for up to one year.

Premises liability

As a landlord, you have a legal duty to use reasonable care in maintaining your rental properties.

  • For example - a visitor to your property slips on a patch of ice and sues you for his injury.

Premises liability protects you if you're held legally liable and will cover your defense cost even if you are not.

Please note:

For illustration purposes only. Actual policy wordings govern. The above is meant as general information to help you understand the different types of coverages. All coverages are subject to the terms, limits, provisions, exclusions, and conditions in the policy itself. Coverage availability is subject to underwriting eligibility and guidelines. We encourage you to speak to your agent or broker and to read your policy contract fully to understand your coverages.