Landlord Insurance in NH & MA

If you rent out a home, condo, duplex, or small residential property, a standard homeowners policy may not fit the exposure. The Mello Agency helps New Hampshire and nearby Massachusetts property owners review rental property insurance questions, liability concerns, loss of rent, tenant occupancy, and related coverage options.

Coverage, pricing, discounts, and eligibility depend on carrier rules, property use, tenant occupancy, claims history, and underwriting.

• Is the property owner-occupied, tenant-occupied, seasonal, vacant, or under renovation?
• Do you need loss of rental income reviewed?
• Are detached structures, garages, sheds, or finished basements part of the property?
• Does the property have older systems, wood heat, oil tanks, pools, decks, or other underwriting details?
• Should umbrella liability coverage be reviewed alongside the landlord policy?
• Do tenants need renters insurance or proof of liability coverage?

Whether your rental property is in Bedford, Manchester, Nashua, Merrimack, Londonderry, Concord, Portsmouth, Southern NH, or nearby Massachusetts, insurance should match how the property is actually used. A quick review can help identify gaps before a claim, lease change, renovation, or renewal.

Homeowner Insurance Center | Home Insurance | Umbrella Insurance | Flood Insurance

Can I use a regular home policy for a rental?
Usually the policy should reflect that the property is rented. A landlord or dwelling policy may be more appropriate depending on the situation.

Should landlords carry umbrella insurance?
It is worth reviewing, especially if you own rental property, have multiple vehicles, or have higher assets to protect. Availability and limits depend on carrier rules.

Does landlord insurance cover tenant belongings?
Generally tenant belongings are not the landlord policy’s responsibility. Tenants should consider renters insurance.