Investment property insurance
Why do you need investment property insurance?
Owning an investment property in Montana isn’t just about monthly income—it’s about long-term security. But between weather events, tenant injuries, and compliance challenges, protecting your rental property can get complicated. That’s why smart landlords choose investment property insurance from Cogswell Insurance Agency.
Unlike standard homeowners insurance, this coverage is specifically designed for income-producing properties. From structural damage to liability lawsuits, Cogswell Insurance Agency makes sure you’re covered where it counts
Common claims we cover
Landlords across Montana rely on Cogswell Insurance Agency to help them recover from situations like these.
- Fire Damage: Kitchen fire damages walls, ceilings, and neighboring units.
- Water Damage: Burst pipes cause flooding in lower-level apartments.
- Slip and Fall: Tenant’s guest slips on wet tile and files a lawsuit.
- Storm Damage: Wind tears shingles from the roof during a thunderstorm.
- Loss of Income: You can’t rent out units while damage is being repaired.
- Equipment Breakdown: The central heating system fails during peak winter months.
What does investment property insurance cover?
Property coverage
Covers the physical building, attached structures, and fixtures from fire, wind, vandalism, and more.
Liability
Provides protection if a tenant or visitor is injured on your property and sues for damages.
Loss of rents
Covers rental income lost due to a covered event that renders units uninhabitable.
Ordinance & law
Helps cover rebuilding costs required by updated building codes after a loss.
Equipment breakdown
Protection for HVAC, plumbing, boilers, and other essential systems.
Flood & earthquake
Optional coverage tailored to your building’s location and risks in Montana.
Local knowledge, better coverage
Cogswell Insurance Agency knows the ins and outs of insuring investment properties in Montana and the surrounding Sacramento region. From local weather patterns to municipal code requirements, we’re here to make sure your policy actually works when you need it.
Real feedback from local owners
Protect your property today
Let’s face it—being a landlord is stressful enough. Don’t let insurance be another headache. Whether it’s a duplex, 4-plex, or 40-unit complex, Cogswell Insurance Agency will help you find the right investment property insurance in Montana. Call us at 406-761-5000 or request a free quote online today!
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