Landlord Insurance

A rental property is an investment, and it needs different coverage than the home you live in. The Stewart Agency works with Tulsa property owners to review their rentals, explain their options, and compare coverage from multiple carriers.

What a Landlord Policy Covers

The Building

Damage to the structure from covered events such as fire, wind, and hail.

Other Structures

Detached garages, fences, and sheds on the property.

Lost Rent

Income you lose while a covered loss keeps the property from being rented.

Liability

Protection if a tenant or visitor is injured and holds you responsible.

DP-1 vs. DP-3

DP-1

Covers a short list of named events and often pays the depreciated value of the damage.

DP-3

Covers a broader range of losses and often pays replacement cost on the building.

We walk you through the difference so you can choose the level of protection that fits the property.

What Oklahoma Landlords Should Review

  • Wind and hail deductibles. These are often a percentage of the dwelling limit rather than a flat dollar amount.
  • Roof age and roof coverage terms. Some carriers limit payment on older roofs.
  • Vacancy rules. Many policies restrict coverage once a property sits empty for an extended period.
  • Renters insurance for your tenants. It covers their belongings and their own liability.
  • An umbrella policy. It adds liability protection beyond the limits of your individual policies.

Properties We Work With

  • Single-family rentals
  • Duplexes and small multifamily
  • Condos
  • Short-term rentals
  • Vacant and renovation properties
  • Portfolios held in an LLC

Own a property outside these categories? We welcome the conversation. Contact our office.

Why Work With an Independent Brokerage

Our relationships with a wide range of carriers allow us to compare coverage and pricing for your rental properties, from straightforward needs to more complex risks. As your portfolio grows, you have one advisor who understands your properties and helps keep your coverage aligned with your needs.

Common Questions

Generally not. Homeowners policies are written for the home you live in, so a rental usually needs its own landlord policy.

Often, yes. Many standard landlord policies exclude or limit short-term rentals, so the policy should match how the property is used.

Yes. We can write coverage in the name of the LLC and coordinate policies across multiple properties.

What Our Customers Are Saying

Anna was tremendous to work with. Her skill and experience really showed as she helped me navigate our options for my business’ insurance. Very reliable and responsive to questions. Couldn’t recommend enough!
Derek, Verified Google Review
Their quotes are extremely competitive, the team is very knowledgeable and friendly, and most importantly they are responsive and fast. Five star experience at The Stewart Agency.
Chris, Verified Google Review
Anna came through for us when it seemed like we would be unable to obtain coverage for our rental property. She was remarkable. I would highly recommend Anna and The Stewart Agency without reservation.
Ted, Verified Google Review
Anna has been my insurance agent for several years. She writes my personal and business insurance coverage, and she is a knowledgeable, professional, and caring insurance agent.
Larry, Verified Google Review
From start to finish, they were incredibly helpful, professional, and genuinely cared about finding the best coverage for my needs. Every question I had was answered quickly and clearly, and the entire process was seamless.
Natasha, Verified Google Review
I could not have navigated through what I needed without Anna’s knowledge of the industry. Her guidance and patience were so helpful.
Lance, Verified Google Review
The Stewart Agency made it so easy and had options available for me quickly. What I also appreciate is that they gave me information that another agency had not been transparent about.
Kimberly, Verified Google Review
Anna and her team are amazing with first class all the way. She has a heart of gold and truly cares about the people she helps.
Lisa, Verified Google Review
I highly recommend her to help you navigate the insurance maze. She is genuine, hardworking, and ready to help!
Dee, Verified Google Review
Wonderful to work with and such a pro! Anna knows her stuff!
Steven, Verified Google Review

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