Rental Property - Owners

If you have purchased real estate and are renting it to others as permanent residences or as long term rentals, Cypress offers protection to match your investment property needs.

A Cypress Insurance Agent can provide you with a complete description of the Rental Property coverage we offer, and help tailor a policy to meet your unique needs.

Our Dwelling Fire Coverage includes:


Provides protection for the structure of your rental property in the event of a covered loss. For example: the walls, roof, or attached garage.

Other Structures

Provides protection for the separate structures on your rental property, such as a detached garage or shed.

Personal Property

Provides protection for your belongings within the rental property - coverage is not provided for your tenant's personal property.

Loss of Rents / Fair Rental Value

Provides coverage for your lost rental income if your rental property becomes uninhabitable due to a covered loss.

Personal Liability

Provides protection for you if someone were to file a lawsuit against you, claiming you caused them bodily injury or property damage in connection with the rental

Medical Payments

Provides protection to someone not living at your residence if they are injured on your rental property.

Coverage you can count on!

Cypress also offers the following optional coverages and renter's discounts to help meet your insurance needs:

Optional Coverage

  • Water Backup*
    Coverage for damage to your home or personal property resulting from water which backs up through sewers or drains, or overflows from a sump.
  • Replacement Cost for Personal Property
    Provides loss settlement for your personal property on a replacement cost basis, rather than an actual cash value basis.
  • Ordinance or Law*
    Covers increases in the cost to repair your home due to local laws or ordinances.
  • Sinkhole Loss Coverage*
    Provides coverage for your home and personal property if either become damaged as the result of a sinkhole on your property.
  • Screened Enclosure*
    Coverage for hurricane loss to screened enclosures and carports permanently attached to your home.


  • Central Burglar
  • Central Fire
  • Superior Construction
  • Indoor Sprinkler
  • New Home
  • New Purchase**
  • Certified Property Manager**
  • Wind Loss Mitigation Features*
  • Roof Shape / Mandatory Roof Covering
  • Community Building Code*
  • Secured Community*
  • Loss Free Renewal*

*FL Only
**TX Only
Please note that coverage options and discounts vary by state. Limits and exclusions apply. Coverage descriptions are for educational purposes only and do not imply or guarantee coverage included in a particular policy.