What insurance does a landlord need?

Landlords typically need landlord insurance (also called dwelling fire or rental property insurance), loss of rental income coverage, and liability insurance for each rental property.

What is loss of rental income coverage?

Loss of rental income coverage replaces the rent you would have collected if a covered loss — like a fire or major water damage — makes your rental property uninhabitable.

Do I need separate policies for each rental property?

Not necessarily. Some carriers offer portfolio policies that cover multiple rental properties under a single policy. This can simplify your insurance program and may offer cost savings.

What is a commercial umbrella for real estate investors?

A commercial umbrella policy provides additional liability protection above the limits of your primary landlord and liability policies. It\'s recommended for investors with large portfolios.

How much does landlord insurance cost in Oregon?

Landlord insurance typically costs 15-25% more than standard homeowner\'s insurance. Premiums vary based on property value, location, and claims history. Contact Gerald Ross Agency for a personalized quote.

LRO & Real Estate Investor Insurance

Landlord, Rental Property & Portfolio Coverage for Oregon Real Estate Investors

Get A Quote (541) 469-3144 Or Get A Free Quote

LRO & Real Estate Investor Insurance

Landlord, Rental Property & Portfolio Coverage for Oregon Real Estate Investors

Get A Quote (541) 469-3144

Or Get A Free Quote

About LRO & Real Estate Investor Insurance

Landlords, real estate owners (LROs), and property investors face unique insurance needs — from rental property liability and loss of rental income to commercial umbrella coverage for large portfolios. Standard homeowner\'s insurance is not designed for investment properties.

Gerald Ross Agency helps Oregon Coast real estate investors find comprehensive coverage including landlord insurance, commercial property, loss of rental income, and umbrella liability for their investment portfolios.

Get A Quote (541) 469-3144

Why Choose Gerald Ross Agency?

Independent agency — we work for you
50+ top-rated insurance carriers
Licensed Oregon agents
Serving Oregon Coast since 1937
Competitive rates through market comparison
Personalized service and claims advocacy

Related Commercial Coverage

Commercial Property Multi-Family Properties Real Estate General Liability

What's Covered

Landlord Insurance

Covers rental property buildings against fire, weather, and other covered perils.

Loss of Rental Income

Replaces lost rental income if a covered loss makes your property uninhabitable.

Liability Coverage

Covers third-party bodily injury and property damage claims at your rental properties.

Commercial Umbrella

Provides additional liability protection above the limits of your primary policies.

Vacant Property

Covers properties that are between tenants or undergoing renovation.

Commercial Property

Covers multi-unit and commercial investment properties.

Get A Free Quote

50+

Insurance Carriers

1937

Serving Oregon Since

Office Location

Licensed States

How to Get Coverage

Contact Us or Request a Quote

Call Gerald Ross Agency at (541) 469-3144 or submit an online quote request. Our agents will gather details about your business and coverage needs.

We Shop Multiple Carriers

As an independent agency, we compare rates from 50+ top-rated insurance carriers to find the best coverage at the most competitive price for your business.

Review Your Policy

We'll walk you through your coverage options, explain what's included, and help you choose the right policy limits and deductibles for your situation.