Allstate is rolling out a new set of homeowners endorsements in Rhode Island, expanding its product to better support landlords and short-term rental activity.

The filing introduces a “Landlords & Hosts” endorsement under the Allstate homeowners program, designed to cover dwellings rented to others, including full-time rentals. The move signals a continued push by Allstate to adapt standard homeowners coverage to hybrid use cases, where properties serve as both primary residences and income-generating assets.

At the core of the update is a redefinition of what constitutes a “business,” clarifying that rental activity can fall outside business classification in certain cases, such as limited room rentals or residential leasing in smaller multi-family structures. This allows policyholders to maintain homeowners coverage while engaging in rental activity, reducing the need to move into fully commercial policies.

The endorsement also introduces specific protections tied to rental use. These include coverage for lost rental income when a covered loss makes a rented portion of the home uninhabitable, and a new theft protection provision for property located in rented areas, capped at $10,000 per policy period.

Vacancy rules are adjusted as well. Coverage for vandalism and related losses is extended to properties vacant for up to 90 days, aligning with the realities of intermittent rental occupancy.

Beyond the landlords and hosts endorsement, the filing adds or updates several optional coverages, including enhanced personal property protection, personal injury liability, service lines protection, and water back-up protection. It also introduces structures for adding additional insureds, including LLCs and trusts, reflecting more complex ownership setups increasingly common among property owners.