No, most standard homeowners policies exclude coverage for long-term rentals. Through Riseson Insurance, our partnered carriers provide long-term rental policies that protect your property, furnishings, and rental income from tenant-related damages or liability claims while you lease in Arizona.

Coverage available through Riseson can include property damage protection and optional loss-of-rent coverage. From broken fixtures to unpaid months, you’re reimbursed quickly so your desert-charm investment stays secure.

Riseson partners with carriers that offer landlord liability limits tailored for long-term rentals, covering medical payments and legal defense costs if a tenant is injured on your property—keeping your investment protected.

When you partner with Riseson Insurance, you get more than a policy, you get a local team that knows the Arizona rental landscape inside and out.

What You Can Expect

✅ Customized landlord coverage for your property type

✅ Access to top-rated carriers like Safeco, The Hartford, and National General

✅ Local experience for Maricopa County rentals

✅ Multi-policy discounts when you bundle auto, umbrella, or personal home coverage

✅ Dedicated claims guidance from Arizona-based agents

We represent multiple carriers to ensure you get the best combination of price and protection.

A landlord policy protects both your physical property and your financial interest in it.

Typical coverage options include:

Dwelling Coverage – Protects the structure of your rental property from fire, storms, vandalism, or other covered losses.

Other Structures Coverage – Covers detached garages, sheds, and fences.

Landlord Liability Protection – Protects you if a tenant or guest is injured and claims negligence.

Loss of Rental Income – Reimburses lost rent if your property becomes uninhabitable due to a covered event.

Optional Add-Ons – Include water backup, equipment breakdown, or ordinance coverage for older homes.

Unlike a homeowner policy, tenant belongings are not covered. Your tenants should carry renters insurance. (We can help them get it too.)

Standard homeowners insurance isn’t built for rental use. If you rent your property long-term and don’t update your policy type, your coverage could be denied at claim time.

Landlord insurance ensures protection for real-world rental scenarios like:

A tenant accidentally starts a kitchen fire.

A storm damages your roof, making the unit uninhabitable.

A guest slips on a wet floor and sues the property owner.

Each of these can lead to major financial loss if your policy isn’t structured for rental activity.

As a locally owned agency, Riseson Insurance understands the Arizona rental market and its unique risks:

Monsoon and dust storm damage to roofs and exterior structures

Aging plumbing systems in older Tempe and Chandler homes

High property values in Scottsdale neighborhoods

Tenant turnover in Gilbert’s growing rental communities

We build policies that match your property’s age, location, and risk profile so you’re never underinsured or overpaying.

We proudly insure long-term rental properties in:

Scottsdale, Arizona

Tempe, Arizona

Chandler, Arizona

Gilbert, Arizona

And surrounding areas throughout Maricopa County