Looking for landlord insurance policies

[Quaid Cde Baca]

Hello!

     I have a duplex in Davenport, IA, that already has an insurance policy now–though very weak. I am looking for any recommendations on specific, landlord insurance policies featuring rent loss. Are there any other umbrella policies that people recommend? I definitely want to be smart and well protected, but not at a $3,987/ annual premium...

[Nicholas Z.]

$4K is way too much. I have a duplex in Davenport and I pay about $1000/year for $1 million in liability and loss of rents. Most places I quoted were around the same cost though the liability coverage varied. I use Ross Diversified. Only downside with them is that you need to pay the full year up front.