Landlord insurance in Las Vegas — the coverage your lender requires.
Rental-dwelling (DP-3) coverage for Clark County investors: protect the building, your liability, and your rent — and satisfy your DSCR lender's mortgagee requirement. Licensed Nevada agency.
Quick answer — Landlord insurance (a rental-dwelling or DP-3 policy) covers the building, your liability, and lost rent on a property you rent out — and your DSCR lender requires it, naming them as mortgagee, before closing. A homeowners (HO-3) policy won't cover a rental; Valley West Insurance writes the right landlord coverage in Nevada.
Reviewed by Vatche Saatdjian · licensed Nevada insurance agency · NV DOI #3892145
The coverage stack, checklist-ready.
Hand this list to your lender — we write all of it. Nevada-admitted carriers, named-mortgagee evidence on time.
- Dwelling at replacement cost — rebuilds the structure after a covered loss.
- Liability $300k–$1M — protects you as the property owner.
- Loss of rents (fair-rental-value) — keeps cash flow during repairs.
- Lender named as mortgagee — on the policy + evidence of insurance.
- Flood where required (separate policy in flood zones).
- Short-term rental endorsement if it's an Airbnb/VRBO.
Built around a rental.
Dwelling
The structure rebuilt at replacement cost after fire, wind, or other covered losses — the core of every landlord policy.
Liability
Defense and damages if someone is injured at your rental — typically $300k to $1M of protection.
Loss of rents
Reimburses the rent you lose while a covered loss makes the home unrentable, so your cash flow continues.
Landlord policy vs homeowners.
A homeowners policy assumes you live there — the wrong coverage for a rental.
| Factor | Landlord (DP-3) | Homeowners (HO-3) |
|---|---|---|
| Who lives there | Your tenant | You, the owner |
| Dwelling basis | Replacement cost | Replacement cost |
| Liability | Landlord liability | Personal liability |
| Loss of rents | Included / available | Not covered |
| Your contents | Limited (owner-owned items) | Full personal property |
| Tenant's belongings | Tenant's own renters policy | N/A |
| Lender mortgagee clause | Yes — names your lender | Yes |
Illustrative comparison — coverage, terms, and eligibility are set by the carrier and the policy. Not a bound quote.
It's part of the payment.
Your DSCR lender requires a landlord policy at replacement cost, names itself as mortgagee, and folds the premium into PITIA — so the coverage directly affects your debt-service-coverage ratio. Financing the rental itself? See DSCR loans.
Landlord insurance, answered.
Read what neighbors say.
Customer experiences may vary. Coverage options and pricing depend on carrier availability and underwriting.
Close on time with the
coverage your lender needs.
A landlord (DP-3) policy from a licensed Nevada agency — dwelling, liability, and loss of rents, with your lender named as mortgagee. Estimates are not a bound quote.