A person with a document featuring a house.

Landlord & Rental Property Insurance

Reliable Protection for the Property You Own
A woman in a red dress is standing on a beach looking at the ocean.

Whether you rent out a duplex in Elmira, own a multi-unit building in NYC, or manage investment properties throughout upstate New York, you need insurance that goes beyond a standard homeowners policy. Landlord and rental property insurance helps cover your structure, your income, and your liability as a property owner. At W.J. Farmer Insurance, we work with independent landlords and real estate investors across the state to tailor policies that fit the property type, tenant setup, and neighborhood. It’s coverage built for long-term confidence—without overcomplication.

You Invested in Property—Now Protect It Properly

Rental Property Coverage That’s Smarter Than Standard

We’ll walk through how you lease, what you own, and what risks are worth covering—whether it’s a single rental or a growing portfolio.


Standard policies typically include:

  • Dwelling coverage for rental units, condos, and small buildings
  • Loss of rental income due to fire or major damage
  • Liability protection for tenant or guest injuries
  • Equipment or systems coverage (e.g. HVAC, plumbing)
  • Optional coverage for detached garages, fences, and signage
What You Can Expect from W.J. Farmer

Rental Property Coverage That’s Built for Owners

You’ll get a local team that knows landlord laws, tenant risks, and how to help when something goes wrong—whether it’s a pipe burst or a liability claim.


You’ll get:

  • Policies tailored for long-term or short-term rentals
  • Coverage for single-family, multi-unit, or mixed-use properties
  • Help meeting lender or lease agreement requirements
  • Advice on insuring vacant or seasonal properties
  • Responsive support for policy changes or claim events


As a family-run agency, we take time to get to know you—and we’ll be here when you need to file a claim, add coverage, or ask a question.

Make Sure You’re Covered Behind the Scenes

Add-Ons That Protect Your Income & Legal Risks

Being a landlord means balancing risk and reward. These optional coverages help you reduce the downside when something unexpected happens.

  • Umbrella liability for high-value properties or portfolios

  • Ordinance or law coverage (for code upgrades after damage)

  • Tenant discrimination or wrongful eviction protection

  • Equipment breakdown for heating, hot water, or A/C systems

Let’s Make Sure Your Rental Property Is Covered Right.