Landlord & Investment Property Insurance
Owner-to-owner coverage for rental houses and investment buildings — priced right, with no hidden gaps that could leave a claim unpaid.
- 24+ carriers
- Norman, OK
- No obligation
What Is Landlord & Investment Property Insurance?
The owner of Oklahoma Insurance Group owns investment properties too — so we know firsthand that the problem isn't just possibly overpaying for coverage. It's that if you have to file a claim, gaps in your coverage could result in the claim not being paid, costing you thousands or more out of pocket. Our investment property program covers rental houses, commercial buildings, and habitational risks: the structures, your loss of rents when a covered loss empties a unit, and the premises liability that comes with tenants. We review entire portfolios, not just single addresses, and we've found properties prior agents left completely off the coverage.
Why Landlord & Investment Property Insurance Matters
A rental property is an income stream sitting inside a building — a fire or storm doesn't just cost you repairs, it costs you rent for every month the unit sits empty, and loss of rents coverage is what bridges that. Tenants and their guests also make liability exposure a permanent fact of ownership. Portfolio-level review matters because coverage gaps hide between properties, not on any single policy.
Who Needs Landlord & Investment Property Insurance?
Anyone holding rental houses, duplexes, small apartment buildings, or commercial investment buildings in Oklahoma — from a single rent house to a full portfolio. Landlords who've added properties over the years with different agents and carriers are exactly who benefits most from one consolidated review.
Coverage Highlights
- Dwelling and building coverage for rental properties
- Loss of rents / rental income coverage
- Premises liability protection
- Landlord furnishings coverage
- Portfolio-wide coverage reviews to catch gaps
- Habitational and commercial building risks
- Umbrella options for larger portfolios
Specialty Programs
We write landlord & investment property insurance broadly, and we go deeper on a few programs where the exposure is distinct enough to deserve its own conversation.
Own commercial buildings too, or more than a few rentals? See Commercial Property Investor Insurance.
Here in Oklahoma
Local Considerations
The rental market here is deep — Cleveland County counts 116,799 households per the US Census Bureau, and with an owner-occupied rate of 63.9%, roughly a third of those households rent, a share OU keeps steady in Norman year after year. Central Oklahoma wind and hail make roof condition and wind deductibles the levers that move investment property premiums most. We shop your portfolio across our carrier lineup and pair it with an umbrella when the liability math calls for it — and our investment clients in Norman and Oklahoma City will tell you the claims help is where it pays off.
How Our Quote Process Works
We Start with a Conversation
We take time to understand what you're trying to protect and what matters most to you.
We Shop Multiple Carriers
We compare options across 24+ insurance companies to find coverage that actually fits — not just the cheapest number on paper.
We Review for Gaps
We check for coverage gaps, exclusions, and structure — not just price — so you're not surprised later.
We Walk You Through It
We explain your options in plain English, answer questions, and help you make a confident decision.
Get a Landlord & Investment Property Insurance Quote
We'll shop multiple carriers and walk you through your options — no obligation, no runaround.
Request a QuoteOther Coverage Options
From our Google reviews
Client Stories
★★★★★
Oklahoma Insurance Group has handled my small business insurance for over 11 years. They handle workers comp, general liability, and automobile insurance (we have about 10 vehicles insured at any one time). One of the great things about OIG is that every year like clockwork (without me having to ask) they are shopping my coverage and checking rates to get up the best balance between coverage and price. For our upcoming, they were able to reduce our auto by switching companies by over $41K. This is serious savings and allows us to continue our steady growth here in Oklahoma City and pass those savings on to our customers. It is also great that they can handle my personal stuff as well. Home insurance, automobile (inlcuding motorcycle). They shop those policies every year as well. One stop shop for me. And when I need them for a claim or accident, they walk me through the process. We are proud to partner with Russ and the crew at Oklahoma Insurance Group. Justin
★★★★★
Jovy and Russ and the folks at OIG are always friendly professional and available to answer questions. We have always received prompt service and competitive insurance pricing for our investment property.
★★★★★
We have had a great experience with Russ and his group. He found us the commercial insurance policy we wanted that others couldn't get. He is also very quick to respond which is greatly appreciated. We recommend this group for your insurance needs.
★★★★★
We had Russ review our commercial insurance policies and he found several gaps in coverage that left us exposed financially. Russ explained everything thoroughly and saved us a ton of money! We feel much more comfortable with Russ on our side. From a business stand point. You are losing money by not giving them a chance.
★★★★★
Russ was awesome to talk to about our insurance. He found gaps in our policy that would have hurt us in a claim situation. Our coverage now is top notch thanks to Russ and his team. We highly recommend calling them for any insurance needs commercial or residential. Thanks again Russ
Information is general in nature and may not reflect your specific situation. Contact us for personalized guidance.
Let's Talk About Your Landlord & Investment Property Insurance
No sales pitch — just a conversation about what you need and what your options look like. We'll take it from there.