Protect Your Rental and Investment Properties the Right Way

Owning rental or investment property comes with big rewards—and big risks. At The Catawba River Insurance Group, we specialize in helping property owners across Hickory, Charlotte, Lenoir, Blowing Rock, and beyond secure customized protection. Whether you manage a single rental, vacation property, or a growing portfolio, we’ll help you cover your assets and maximize your peace of mind.

Get a Landlord Insurance Quote

Coverage Options for Landlords and Property Investors

A basic homeowners policy won’t cover a tenant-occupied property. Landlord insurance is built for the realities—and the liabilities—of owning rentals.

  • Dwelling coverage for the building itself
  • Loss of rental income if your property becomes unlivable due to a covered loss
  • Liability protection if a tenant or guest gets injured on the property
  • Coverage for furnishings in rental units (appliances, furniture, etc.)

Tailored Protection for Every Property Type

No two investments are alike. We help you customize landlord insurance for everything from single-family homes to short-term vacation rentals—ensuring you're protected against financial risks.

  • Policies for long-term rental properties
  • Protection for vacation homes and short-term rentals (Airbnb, VRBO)
  • Coverage for multi-family properties and duplexes
  • Builder’s risk policies for new construction rental properties

From Charlotte to Boone—You Deserve Full Protection

Hickory • Charlotte • Lenoir • Blowing Rock • Mooresville • Statesville • Asheville • Boone • and beyond

Popular Add-Ons for Landlord Policies

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Vandalism and Malicious Damage Protection
 Extra coverage for tenant-caused damages.

Extended Loss of Rental Income Coverage
 Protects your cash flow during longer rebuilding periods.

Umbrella Liability Coverage
 Adds extra liability protection beyond your primary policy limits.

Flood Insurance Options
 Essential for properties located in or near flood-prone areas.

Owning investment property should build wealth—not worry. Let The CRIG customize the right landlord insurance strategy for your goals.

FAQs

  • Is landlord insurance more expensive than homeowners insurance?

    It can be slightly more expensive because of the increased risks with tenant occupancy—but it’s essential protection for your investment.

  • Do I need landlord insurance for short-term rentals like Airbnb?

    Yes. Standard homeowners policies typically exclude commercial short-term rentals. Specialized coverage is needed.

  • What happens if a tenant damages my property?

    Landlord insurance can include protection against certain types of tenant-caused damage. We'll explain your options clearly.

  • Does landlord insurance cover tenant belongings?

    No. Tenants need their own renters insurance to cover their personal property.

Safeguard Your Investments with The CRIG