Long-term rental, mountain cabin, Airbnb, or multi-family. If you're a WNC landlord, your homeowners policy isn't enough. We'll get you covered right.
This is the mistake we see all the time. A homeowner buys a second property, starts renting it out, and assumes their existing home policy has them covered. It doesn't. The moment you hand over keys to a tenant, you've changed the nature of the risk in a way that most homeowners policies explicitly exclude.
Landlord insurance, or a dwelling fire policy, is designed for exactly this situation. It covers the structure, your liability as a property owner, and in many cases your lost rental income if the property gets damaged and becomes uninhabitable. It's built for the risks that come with tenants, not the risks of owner-occupied living.
Jeremy Pressley and the team at The Pressley Group write landlord policies across Western NC for everything from single-family rentals in Waynesville to mountain cabins in Cashiers to multi-family properties in Sylva. We shop 20+ carriers to find the right coverage at the right price. Call us at (828) 452-1898 and let's review what you have and what you actually need.
A good landlord policy covers your building, your liability, and your income. Here's what to look for.
Covers the structure of your rental property from fire, wind, hail, lightning, and other covered perils. This is the foundation of any landlord policy.
Covers you if a tenant or their guest is injured on the property and sues. Medical bills, legal defense, and judgments up to your policy limit. Essential for any landlord.
If your property is damaged by a covered loss and becomes uninhabitable, loss of rents coverage replaces the income you're missing while repairs are made.
Some policies include coverage for intentional or malicious damage by tenants beyond normal wear and tear. We'll make sure you know exactly what's included.
Garages, sheds, and fences on the rental property can be included in your dwelling policy coverage. Don't assume they're automatically covered.
WNC has a large Airbnb and VRBO market. Standard policies don't cover short-term rentals well. We write policies designed specifically for vacation rental properties.
Western Carolina University drives a large student rental market in Cullowhee and Sylva. Student tenants present specific risks that a good landlord policy needs to account for.
Short-term rentals are big business in WNC's mountain resort areas. If you're listing on Airbnb or VRBO, your standard homeowners policy likely has a business activity exclusion. Talk to us before you assume you're covered.
If your rental property is near the Pigeon River, Tuckasegee, or any other WNC waterway, landlord insurance alone may not be enough. Ask us about adding a flood policy to complete your coverage.
Hurricane Helene displaced hundreds of WNC families, creating a surge in rental demand. More landlords means more coverage needs. If you recently started renting a property, call us and make sure your policy matches your current situation.
Yes. Once you rent out a property, your homeowners policy may not cover tenant-related damage or liability from a tenant's guest. Landlord insurance (dwelling fire policy) is built specifically for rental properties.
Some policies include loss of rents if the property becomes uninhabitable from a covered loss, but not from tenant non-payment. We'll walk you through what your specific policy covers.
Yes. Airbnb and VRBO are a coverage gray area. WNC's mountain resort market is huge and most standard policies have business activity exclusions. We write policies designed for short-term rentals.
Yes. We can package multiple properties on a portfolio policy that's often more cost-effective. Call (828) 452-1898 and we'll review your full rental portfolio.
Most rental properties in WNC also need flood insurance if they're near any waterway. And if your rental income is meaningful to your household, an umbrella policy can give you an extra layer of liability protection on top of your landlord coverage. The NC Department of Insurance has resources on landlord rights and requirements in North Carolina.
We cover rental properties across Haywood, Jackson, Swain, and Macon counties. Find our Waynesville and Sylva offices or call (828) 452-1898 to talk through your situation.
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