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Highliner Policy: Rental Property Owners

The Highliner Policy is specifically designed to provide a comprehensive insurance package for owners of rental dwelling properties.


Residential Buildings

  • Dwellings are covered for replacement cost when insured for at least 80% of replacement value.
  • $60,000 minimum coverage is required for homes or rental properties.
  • Risks ineligible for a Highliner Policy may be eligible for a Dwelling Fire Policy.
  • Outbuildings located on the premises are covered up to 10% of the residence insurance.
Please contact a New York Central agent for more information.


Defense Coverage

  • This coverage is in addition to basic liability coverage.
  • Loss of earnings up to $100 per day.
  • Cost of appeal bonds.
  • $500 bail bond because of vehicle accident to which basic liability coverage applies.
  • Pre-judgement interest.


Highliner Policy Coverages are as follows

Coverages Description
Coverage A Building
Coverage B Other Structures
Coverage C Business Personal Property: Business personal property on premises, including furnishings, maintenance equipment and outdoor furniture.
Coverage D Loss of Use: Provides payment for loss of rental due to covered peril for up to 12 months.
Coverage E Liability: Covers claims for injuries, or damage to property of others from occurrences at the insureds location.
Coverage F Medical Payments to Others: Medical expenses arising from injuries to others on the insureds premises.
Coverage G Fire Legal: Fire damage to buildings rented to you, if you are liable.