Covers the structure of your rental property against fire, windstorm, and other covered perils. Landlord dwelling coverage is rated for rental use — standard homeowners policies are not designed for tenant-occupied properties.

Covers lost rental income if your Central Oregon property is damaged and uninhabitable. With Bend's high rental rates, lost rental income during a repair period can be substantial — this coverage protects your investment income.

Covers bodily injury and property damage claims from tenants or visitors — a tenant injured by a property defect, a slip and fall on your property, or other liability claims. Landlord liability is a critical coverage for all Central Oregon rental properties.

Covers intentional or accidental damage caused by tenants beyond normal wear and tear. Tenant damage coverage protects your investment from costly repairs that security deposits may not fully cover.

Wildfire is a significant risk throughout Central Oregon. Landlord insurance includes fire coverage, but ensure your policy has adequate limits and doesn't have wildfire exclusions for your specific location.

Covers your rental property during vacancy periods between tenants. Standard landlord policies may limit or exclude coverage after 30–60 days of vacancy — vacant property endorsements maintain full coverage during turnover periods.