Have your Landlord / DP policy PDF ready?

✓ I Have ItI Need My Policy →

Landlord / DP Insurance — CLEAR Report

Investment property coverage has unique and costly gaps.

Your CLEAR Report analyzes the exact language in your landlord / dp policy — not generic advice. Every finding is specific to your carrier, your state, and your coverage.

What We Analyze

→DP-1 vs. DP-2 vs. DP-3 form identification
→Named perils vs. open perils coverage basis
→Loss of rents / fair rental value limit
→Vacancy clause and compliance requirements
→Liability coverage for tenant injury
→Building ordinance and law coverage
→Vandalism coverage (excluded on DP-1)
→Tenant belongings exclusion confirmation

Industry Reality Check

What the data actually shows.

67%
of landlords carry DP-1 — the most restrictive form
6 months
average rental income lost after a major covered loss
1 in 12
rental properties experience a tenant-related claim annually
$18K
average cost of tenant damage not covered by basic DP policies

Common Coverage Gaps

Where landlord / dp policies typically fall short.

Three common areas where coverage often fails to match real-world exposure. Your CLEAR Report flags each of these — specific to your policy language.

Gap 01
DP-1 vs. DP-2 vs. DP-3 form identification
Gap 02
Named perils vs. open perils coverage basis
Gap 03
Loss of rents / fair rental value limit

Your Report Framework

The CLEAR Report — 5 Core Areas

Every report — regardless of policy type — covers these five pillars. Each section is populated with findings specific to your actual policy language.

C
Coverage
What is actually protected under your policy and under what conditions.
L
Limits
Where your financial caps, sublimits, and per-occurrence maximums live.
E
Exclusions
What is explicitly left out — often buried in endorsements and riders.
A
Adjustments
Endorsements, modifications, and riders that change your base coverage.
R
Risk
Your overall exposure score based on gaps, limits, and exclusion density.

Report Structure

9 Sections. Every policy. Every time.

01
Coverage Summary
Plain-English breakdown of what your policy actually covers.
02
Limits Analysis
Every financial cap mapped against real-world exposure.
03
Exclusions Review
What is left out — and what that means for your specific risk.
04
Endorsements & Adjustments
Riders and add-ons that modify your base policy terms.
05
Risk Score
Your CLEAR score: a 0–100 rating of overall policy strength.
06
Coverage Gaps
Specific areas where your coverage falls short of your exposure.
07
Carrier Flags
Known issues and patterns specific to your insurance carrier.
08
Claim Readiness
Whether your policy and documentation are ready if you need to file.
09
Questions for Your Agent
Specific questions to ask your agent based on what we found.

Ready to see what your policy actually says?

Get your Landlord / DP policy explained.

I Have My Policy — Explain It Now — $19.99

One-time analysis · No subscription · No agent bias · Delivered in minutes

Don't have your policy PDF yet? Get it here →