Protect Your Investment Property
Comprehensive landlord insurance designed specifically for rental properties. Protect your investment from property damage, liability claims, and loss of rental income.
Landlord Coverage Options
Rental properties face unique risks that standard homeowners insurance doesn't cover. Landlord insurance is designed specifically for properties you rent to tenants, providing protection for both the building and your income.
Property Damage
EssentialProtects your rental property from damage caused by fire, severe weather, vandalism, and other covered risks.
Loss of Rental Income
IncludedCompensates for lost rental income if your property becomes uninhabitable due to a covered loss, ensuring uninterrupted cash flow.
Liability Protection
IncludedCovers legal fees and court costs if a tenant or visitor is injured on your property or sues you for damages.
Tenant Vandalism
OptionalProtects against intentional damage caused by tenants, a risk not typically covered under standard policies.
Emergency Repairs
OptionalCovers the costs of immediate repairs to prevent further damage to your property, such as fixing a broken pipe.
Legal Expense Coverage
OptionalHelps cover legal costs for evictions, lease disputes, or other landlord-tenant legal matters.
Why Standard Home Insurance Doesn't Work
Many landlords make the mistake of thinking their regular homeowners policy covers rental activities. This can leave you exposed to significant risks.
Standard homeowners policies specifically exclude properties rented to others
Claims may be denied if the insurer discovers you were renting the property
Landlord-tenant liability situations require specialized coverage
Loss of rental income is not covered under homeowners insurance
Tenant damage and vandalism are not covered by standard policies
Your policy could be cancelled if you don't disclose rental activities
Landlord Insurance FAQs
Do I need landlord insurance if I only rent occasionally?
Yes. Even occasional rentals require proper coverage. Most homeowners policies exclude any rental activity. If you rent your property even once, you should have landlord insurance in place.
Does landlord insurance cover my tenant's belongings?
No. Landlord insurance covers the building and your belongings used to maintain the property. Tenants need their own tenant insurance to protect their personal belongings.
What if my tenant causes damage to the property?
Standard landlord policies cover accidental damage. For intentional damage (vandalism), you typically need to add tenant vandalism coverage as an optional endorsement.
Is my rental property covered if it's vacant?
Most landlord policies have vacancy clauses that reduce or void coverage if the property is vacant for more than 30 days. You may need vacant home insurance during extended vacancies.
Should I require my tenants to have insurance?
Yes, we strongly recommend it. Requiring tenants to carry tenant insurance protects their belongings and can reduce your liability exposure as a landlord.
Get Your Landlord Quote
Protect your rental investment with comprehensive landlord insurance.
What You'll Need for a Quote
- Property address and type
- Current monthly rent amount
- Property age and construction type
- Recent renovations or updates
Related Coverage
ProtectYourRentalInvestment
Get comprehensive landlord insurance for your rental property. Coverage for property damage, liability, and loss of rental income.