Rental Dwellings

Rental dwelling ownership is a significant investment with unique risks. Wayne Insurance Group offers coverage options that are ideal for dwellings that house up to 4 families and are not owner-occupied. You can choose the coverage options that best fit your rental property.

We offer both package and à la carte policy options to provide the coverage you need, whether you own one rental property or many.

It's also important to require your tenants to purchase and maintain a renter's policy. Click to learn more.


Coverage can be provided for the dwelling, contents you own and other structures on the premises. Coverage may also extend to materials and supplies on or near the dwelling, building equipment, outdoor equipment and loss of rents.  Our policies can be tailored to protect against most causes of loss, including:

  • Fire, lightning, explosion, windstorm and hail, aircraft, riot, vehicle damage, vandalism, explosion and smoke
  • Falling objects
  • Weight of ice, snow and sleet
  • Freezing or water overflow
  • Water damage (repairs to leaking system or appliance)
  • Inflation protection
  • Loss of rent

Optional Property Coverage

Optional property coverages can include:

and many more.


Our policies can provide coverage for any bodily injuries or property damage you might cause to others, and can also include personal liability, medical payments to others and personal and advertising injury.


Available discounts can include:

  • Multi-policy discount
  • New construction discount (for dwellings built within the last 20 years)
  • Central alarm discount
  • Loyalty discount
  • Builder's risk discount (for homes under construction)
  • ACV loss settlement for wind/hail losses to the roof

All policyholders, tenants and any resident household member are provided with Identity Fraud Resolution Services through our partner, CyberScoutTM.

Consult your Wayne Insurance Group agent for more details on the property and liability coverage options that meet the unique needs of your rental dwelling.

The coverages described above are presented in general terms and are subject to the actual policy exclusions and conditions. For specific coverage details and policy exclusions, refer to the policy itself or contact your Wayne Insurance Group agent. If there is a conflict between this website and the policy, the policy provisions shall prevail.

Wayne Insurance Group

For more than a century, the Wayne Insurance Group companies have delivered financial security and peace of mind for families, farms and businesses. As mutual insurance companies, we exist to serve the insurance needs of our policyholders. We have partnered with a network of independent agents to offer a full line of insurance programs backed by prompt, fair claims service and support.

Contact Us

Wayne Insurance Group
3873 Cleveland Road
Wooster, Ohio 44691

Tel: 330-345-8100 | Tol: 800-222-3873

Wayne Mutual Insurance Company

Founded in 1910, Wayne Mutual Insurance Company provides a wide range of property and casualty insurance programs for automobiles, homes, farms, investment properties, and businesses.

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Mid-State Farmers Mutual Insurance Company

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