Christina Harper was very quick and efficient in finding me the best quote for my home and auto!
PROTECT YOUR RENTAL PROPERTY WITH LANDLORD INSURANCE
GET COVERAGE AND SECURE YOUR INVESTMENT TODAY
RELIABLE LANDLORD INSURANCE FOR PROPERTY OWNERS
Protecting your rental property should be simple and affordable—and that’s exactly what Harper Agency provides. We specialize in comprehensive landlord insurance at competitive rates, backed by a team committed to safeguarding your investment. With years of industry experience and regional knowledge, we take the time to understand your rental portfolio, explain coverage options, and design policies that fit both your properties and your budget. Our step-by-step approach ensures you feel confident and supported from day one.
OUR 4 STEP ONBOARDING PROCESS FOR LANDLORD INSURANCE
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Initial Consultation: We review your properties, tenants, and coverage needs to identify the right protection.
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Personalized Quote: We provide a tailored proposal that balances affordability with comprehensive coverage.
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Policy Setup: We handle the paperwork and activate your policy promptly, so your rentals are protected without delay.
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Ongoing Support: We regularly review your policy, answer questions, and make adjustments as your rental portfolio or coverage needs change.
Harper Agency is more than an insurance provider—we’re your partner in protecting your rental properties with confidence and peace of mind.
WHAT YOU CAN EXPECT
6 QUESTIONS FOR LANDLORD INSURANCE
WHAT DOES THE LANDLORD INSURANCE POLICY ACTUALLY COVER?
Not all landlord insurance policies are created equal. Some will only cover the building itself, while others can include things like loss of rental income if your property becomes unlivable after a covered claim. You want to make sure you understand the details so you’re not left surprised when you need to file. Always ask for a breakdown of coverage in plain language, not just insurance jargon.
HOW MUCH LIABILITY PROTECTION DOES IT INCLUDE?
Liability is one of the most important parts of landlord insurance. If a tenant or even a visitor gets hurt on your property and you’re found responsible, costs can add up fast. Medical bills and legal fees can wipe out your rental income for years if you’re not protected. Ask what level of liability coverage is included and if it matches the risks you’re comfortable taking on.
DOES THE POLICY COVER LOSS OF RENTAL INCOME?
If a fire, storm, or other covered event makes your property uninhabitable, you’ll likely lose rental income for weeks or months. A strong landlord policy can help replace that lost income so you can keep up with your mortgage and other expenses. This coverage can make a huge difference in your cash flow during a tough time. Be sure to ask exactly how long and under what conditions rental income replacement kicks in.
ARE THERE EXCLUSIONS OR LIMITATIONS I SHOULD KNOW ABOUT?
Every insurance policy comes with exclusions—things that aren’t covered. For example, some policies don’t cover flood or earthquake damage unless you add separate coverage. Others might limit how much they’ll pay for certain types of claims. Don’t just skim the highlights; ask directly what’s not included so you’re not caught off guard later. Have your agent show the price and benefit of each rider in dollars, not just buzzwords.
HOW MUCH WILL DEDUCTIBLES AND PREMIUMS REALLY COST ME?
It’s easy to just look at the monthly premium and call it good, but the deductible can be just as important. A low monthly premium might mean you’re on the hook for a higher deductible when something goes wrong. On the flip side, a higher monthly cost may lower what you’ll pay out of pocket in a claim. Make sure the balance of premium and deductible makes sense for your budget and risk tolerance.
DOES THE POLICY OFFER ANY EXTRA PROTECTIONS I MIGHT NEED?
Some landlord policies offer extras that can be very helpful, like coverage for vandalism, legal expenses from tenant disputes, or even replacement of appliances. Depending on the age of your property and the kind of tenants you have, these add-ons might be worth it. It’s always better to ask upfront rather than assume everything is automatically included. Talk through your situation with the agent and see what extras are a smart fit for your property.
WHAT OUR CLIENTS ARE SAYING
Happy to com back to Farmers and people like Gisselle are the reason! She was just amazing and patient to get me through the process which took a few days!
Christina has been such a huge help! I’m grateful for all that I’ve learned from everyone in her great office and for the help getting all my insurance needs taken care of! I highly recommend her if you are looking for insurance for home, auto or your life insurance!
Christina was able to find every discount she could for me to get full coverage again after the rates doubled last year, I was so happy to have full coverage on my car again and it’s all thanks to Christina, she is a consummate professional, and just a real kind person on top of that.
I couldn’t be more pleased with The Harper Agency’s exceptional attentiveness and helpfulness. Christina’s dedication to addressing my concerns promptly and providing clear, thorough assistance has made my experience truly five-star. I highly recommend their services to anyone seeking reliable and customer-focused insurance support!
The people here are always really nice and friendly, kind of like an extended family. They are so easy to do business with.
OUR AWARDS AND HONORS
