Protect Your Real Estate Investments

Being a landlord comes with unique risks. Whether you have a long-term tenant in Manchester or a short-term rental on the coast, we have the specialized policy you need.

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More Than Just a Home Policy

A standard Homeowners policy is designed for owner-occupied homes. Once you rent that property out—even to family—the risks change completely.

At River East Insurance, we ensure your investment is protected with a true **Dwelling Fire (DP-3)** or commercial habitational policy. This covers you against tenant negligence, loss of rental income, and specific landlord liabilities that standard policies exclude.

We work with **Safeco**, **USLI**, and **American Modern** to cover everything from single-family rentals to 4-family multi-use buildings.

Multi-family rental property in Connecticut

Critical Landlord Coverages

Loss of Rents

If a fire or burst pipe makes your unit uninhabitable, you stop collecting rent. This coverage replaces that lost income while repairs are made, keeping your mortgage paid.

Landlord Liability

Protection against lawsuits if a tenant or their guest is injured on your property. This includes slips, trips, and falls on icy walkways or stairs.

Building Code Upgrade

Older properties in Manchester and Vernon may need costly upgrades to meet current codes after a loss. Standard replacement cost won't pay for this extra expense—we ensure you have it.

Wrongful Eviction

A specialized liability coverage that protects you if a tenant sues for wrongful eviction, invasion of privacy, or discrimination.

The Short-Term Rental Challenge

Standard landlord policies often **exclude** business activity like Airbnb or Vrbo. If a guest trashes your place or gets hurt, you could be on your own.

That is why we partner with Proper Insurance, the market leader in short-term rental coverage. Their policy replaces your current home insurance and covers:

Commercial Liability: $1M/$2M limits that extend to amenities like pools, bikes, and hot tubs.

Loss of Booking Income: Actual revenue replacement, not just long-term rent value.

Squatter Protection: Legal expense coverage to remove unwanted occupants.

Bed Bug Clean-up: Coverage for extermination and lost income.

Learn About Proper