Affordable landlord insurance for a single rental house, an apartment building, or a whole portfolio of rental and commercial property. Get a fast online quote and a real local agent shops a broad market of dwelling-fire and landlord carriers to find your best fit — online convenience, real-agent advice, no 1-800 menu.
Most shops either chase only the big investors or can't handle more than a policy or two. We do both. The first-time landlord who just put grandma's house up for rent gets the same straight answers as the investor scaling past 70 doors — and we're built to grow right alongside you.
Inherited a house, moved and kept the old one, or bought your first rental — we'll get the right dwelling-fire policy in place, fast.
Two doors becomes ten becomes thirty. We keep your coverage consistent and your renewals simple as the portfolio grows.
70+ doors, residential and commercial, across multiple addresses — scheduled on one program instead of a drawer full of separate policies.
Single-family rental houses, apartment buildings, vacant and under-renovation property, short-term and Airbnb rentals, plus commercial and mixed-use — sometimes called buy-to-let. If you rent it out, we'll find the market for it.
Single-family and small multi-unit rentals on dwelling-fire (DP-1/2/3) forms matched to the property.
Habitational and multi-family buildings, including liability and loss of rent for the whole property.
Coverage for units empty between tenants or held for renovation — where standard policies stop.
Coverage for qualifying short-term-rental, Airbnb and VRBO properties (availability varies by state & use).
Independent means we match each property to the right market — standard, specialty, or E&S for the hard-to-place doors.
Start your landlord insurance quote online in a couple of minutes — the digital convenience you want — then a licensed agent shops a broad carrier market so you get affordable coverage without overpaying for a one-size policy. You get both: easy online quoting and a real person who knows which carriers actually want your rentals.
When you own more than a couple of doors, buying a separate policy for each one costs more and creates gaps. We can schedule multiple properties on a single landlord program or commercial portfolio package — one policy, one renewal date, one bill, no gaps — and still drop a single door on its own when that's the better fit. Single rentals are always welcome; nobody gets turned away for being "too small."
BNW Services LLC is a licensed independent agency, and Billy E. Whited — a licensed insurance producer with BNW — spent 40 years in the trucking industry and about 20 in the trades: plumbing, electrical, HVAC, carpentry, painting, lawn, tree, and handyman work, plus years serving landlords. When you describe a roof, a panel, or a vacant unit mid-rehab, you're talking to someone who's been in that crawlspace. That's why we know which markets actually want your risk — and which forms truly protect it.
It depends on the property, location, coverage, and door count. Because we're independent we shop a broad market, so you get solid coverage at a competitive price instead of overpaying. Start a free online quote and we'll come back with real options.
Both. One door or seventy-plus — a first-time landlord gets the same real-agent attention as a seasoned investor.
It's the policy form built for rental, non-owner-occupied property. DP-1 basic, DP-2 broader, DP-3 special-form (widest). We match the form to the property and your risk tolerance.
Yes — we can add loss-of-rent (fair rental value) so income continues if a covered loss makes a unit unrentable, plus protection for tenant-caused damage and vandalism.
Often yes — a scheduled landlord program or commercial portfolio package instead of separate policies, usually better priced with one renewal and one bill.
Yes — vacant-property and builders-risk markets for units empty between tenants, being rehabbed, or mid-flip.
We can quote short-term-rental and Airbnb/VRBO coverage for qualifying properties — availability varies by state and use, so tell us the address and setup.
Yes — apartment, habitational, commercial and mixed-use rentals, with the liability and umbrella a growing portfolio needs.
Missouri, Kansas, Nebraska and Tennessee, with the deepest rental-property appetite in Missouri and Kansas. Tell us where your doors are and we'll confirm the markets.
One rental or a whole portfolio — start online in minutes, or talk it through with a real agent.
Quotes are estimates, not offers of coverage; coverage is bound only when issued by the carrier. Coverage availability varies by state, property, and carrier appetite. BNW Services LLC is a licensed independent insurance agency. See our licensing & disclosures, terms, and privacy policy.