Landlord Coverage for Smart Investors.
Owning a rental is a business. Protect your property, your liability, and the income you depend on.
What's Covered
- Dwelling coverage for the rental structure
- Liability protection from tenant and guest claims
- Fair rental income coverage after a covered loss
- Coverage for landlord-owned appliances and furnishings
- Optional vandalism and tenant damage protection
- Coverage for single-family, multi-unit, and condo rentals
Why You Need It
A standard homeowners policy will not protect a property you rent out. Landlord insurance is built specifically for the risks that come with tenants and rental income.
If a covered event makes your property uninhabitable, fair rental income coverage replaces the rent you would have collected, protecting your cash flow during repairs.
Liability is a major exposure for landlords. The right policy shields you when a tenant or visitor claims they were injured on your property.
Frequently Asked Questions
Home insurance covers an owner-occupied residence. Landlord insurance is designed for properties you rent out, with added liability and rental-income protection.
No. Your policy covers the structure and your liability. Tenants need their own renters insurance to protect their personal property.
Extended vacancies can affect coverage. We help you arrange the right protection between tenants so you are never exposed.
Yes. Whether you own one rental or a growing portfolio, we can structure coverage to protect every property efficiently.