Vacation Rental Insurance For Rental Properties

If you own a property and rent it to others, TW Morgan Insurance Services offers an insurance plan that meets the real-world expectations of landlords today. We specialize in helping landlords like you get the most value for your money.

The following types of properties are eligible for our program:

  • Multiple location landlord properties (including limited license corporations)
  • Duplexes, triplexes and quads
  • Converted Victorians
  • Row homes
  • Older and lower-value homes
  • Homes with minimal cosmetic conditions
  • Vacant homes
  • Properties under renovation
  • Fixer-uppers
  • Vacation Rental homes


  • Discounts for approved fire and burglar safety devices.
  • 50+ - Individuals 50 years of age may receive a discount in select states.

Types of coverage:

  • Comprehensive Property Coverage
    We cover most direct, sudden and accidental physical losses that aren't specifically excluded in your policy.
  • Named Peril Coverage
    "Perils" (fire, explosion, lightning, windstorm and hail damage) which are specifically named in your policy, are covered, subject to policy exclusions and conditions.
  • Optional Replacement Cost
    Purchase Optional Replacement Cost coverage and get a settlement that reflects the cost to replace the damaged items with new property of comparable material and quality, without any deduction for depreciation.
  • Agreed Loss Settlement
    If the property is destroyed by an insured loss, you receive the full amount of agreed upon insurance for your home (minus any applicable deductible). No hassles.
  • Actual Cash Value
    This covers the cost to replace or repair your damaged property, with a deduction for depreciation, which reflects the age and condition of your home.
  • Extended Replacement Cost
    You can receive an additional 25% of the insured amount, to replace your home.
  • Liability Coverage
    This provides coverage if you're found legally responsible for an accident that causes injury to someone on the rental premises or causes property damage.

Coverage to protect you as a landlord or Vacation Rental Owner:

  • Loss of Rents
  • Liability limits
  • Personal Injury
  • Extended Replacement Coverage

This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverage's, exclusions, limits, conditions and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.