Protect Your Rental Investment
Landlord Insurance in Missouri
Coverage for Your Property and Your Peace of Mind
Rental Property Insurance With Real Local Support
Owning rental property can be a smart investment, but it comes with risks, from tenant damage to unexpected repairs. At Fortner Insurance, we help Missouri landlords protect their single-family rentals, duplexes, and small apartment buildings with flexible, affordable landlord insurance options. Whether your properties are in Springfield, Joplin, or anywhere across southern Missouri, we’ll help you build a rental property insurance policy that covers your structure, liability, and rental income.
What We Offer
Landlord Insurance That Works as Hard as You Do
Dwelling Coverage
Protects the structure of your rental from fire, storms, vandalism, and more.
Loss of Rental Income
Helps replace lost rent if your property becomes uninhabitable due to a covered claim.
Liability Insurance
Covers injury or property damage claims made by tenants, visitors, or contractors.
Personal Property Coverage
Optional coverage for items you furnish, like appliances or maintenance equipment.
Vandalism & Theft Protection
Available for unoccupied units or common loss scenarios.
Medical Payments Coverage
Helps cover minor injuries that occur on your rental property.
Optional Add-Ons
Ask us about
umbrella insurance or combining with
homeowners or
business insurance for broader protection.
Why Landlords Choose Fortner
Local Insight. Responsive Service. Straightforward Coverage.
We Know Missouri Rentals
From college-area units to long-term rentals in small towns, we help landlords stay protected and profitable.
We Shop Multiple Carriers
As an independent agency, we compare policies from top insurers to find the right fit at the right price.
We’re Easy to Reach
Need help with a claim or policy update? We’re just a phone call or short drive away.
Landlord Insurance FAQs
What Missouri Property Owners Ask Most
Do I need landlord insurance for just one rental property?
Yes—even one rental carries liability and property risks. We offer policies for first-time and experienced landlords alike.
What’s the difference between homeowners and landlord insurance?
Homeowners insurance is for primary residences. Landlord insurance is designed for properties you rent out to others.
Does landlord insurance cover tenant belongings?
No. Tenants need (renters insurance) to protect their own items. We can help them get covered too.
Is loss of rental income included in my policy?
Only if you add it. We recommend including it in case your unit becomes temporarily unlivable after a covered event.
Can I bundle landlord coverage with other policies?
Absolutely. Many landlords also carry umbrella policies or combine coverage with other personal or business assets.