Landlord Insurance Cost 2026: DP-1 vs DP-2 vs DP-3, Coverage, and Why It Beats a Homeowners Policy
A landlord insurance broker's plain-English guide to dwelling policies (DP-1, DP-2, DP-3) for U.S. rental property: what they cover, what they exclude, why a rental needs its own policy instead of a homeowners policy, realistic 2026 cost ranges, premium drivers, and how to lower your rate.