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A cottage you rent on the weekends, a long-term rental, a property sitting empty between tenants — each one carries risk a standard homeowners policy wasn't designed for, and many exclude rental activity entirely. We help Michigan owners cover the building, the income, and the liability that comes with renting to others.
The moment a property earns income or hosts paying guests, it's no longer just a home in the eyes of an insurer. Guests get hurt, belongings get damaged, a pipe bursts while the place sits empty, or a booking falls through and the income stops. We tailor coverage to how you actually use the property — nightly rental, long-term lease, or seasonal cottage. It's part of our broader hospitality program.
Protection for the building, structures, and your furnishings inside.
Responds when a guest or tenant is injured or their property is damaged.
Replaces rental income while a covered loss makes the property unrentable.
Built for landlords who lease space to tenants and need their own coverage.
Coverage for the higher risk a property carries while it sits empty.
For the appliances, furniture, and decor that make a rental rentable.
Coverage is subject to underwriting and is not bound or altered until confirmed by an authorized representative. This page is a general overview, not a contract or a quote — contact a local Top O' Michigan agent for the coverages and limits that apply to your property.
Usually not fully. Renting out a property — even part-time — changes your risk, and standard homeowners can exclude rental activity. A vacation rental or landlord policy covers that gap. Coverage is subject to underwriting.
It can include the dwelling and property, liability for guests, loss of rents if the home becomes unrentable after a covered loss, and lessors risk for landlords. Coverage is tailored to how you rent.
Lessors risk (LRO) protects owners who lease property to others, covering the building and your liability as a landlord. It’s common for long-term rentals and commercial tenants.
Often, yes. Vacant property has elevated risk — vandalism, water damage — and standard policies may limit coverage when a property is unoccupied. We can arrange appropriate coverage.
Yes. We work with owners of multiple rental properties to structure coverage efficiently across the whole portfolio.
Let's make sure your rental is protected the way it's actually used. Talk with a local Michigan agent today.
