Landlord Insurance

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What comes standard
The coverage you need
Physical Structures
Premises Liability Coverage5


Benefits
Emergency Repair Service1 | 24-hour claims assistance | Contractor Network Referral2
Add-on protection & coverage
For more peace of mind
Personal Property
Fair Rental Value3
Inflation Protection4
Umbrella coverage
Discounts that help you save
Companion Home
Save when you insure your home and rental property.
Claims Free
If you haven't filed a claim with your previous insurance carrier for five years or more, you can save.
Early Shopper
If you request a quote before your policy with another carrier expires, we'll show you the savings.
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Who we cover
Rental properties have different insurance needs than your primary residence. Liberty Mutual policies are a good fit for most landlords. We cover landlords who own up to 16 units, in 1-4 unit properties, and we can add your LLC as a named insured*
Coverage details
Physical Structures: If your rental property or other structures on the property, like a garage or tool shed, is damaged or deemed to be a total loss, we'll arrange for it to be repaired or replaced.

Personal Property: Property you own on the premises (such as microwaves, washers and dryers) being used by your tenants - even tools you keep handy for repairs are protected.

Fair Rental Value Coverage3: If your property is deemed unlivable due to a covered loss, we'll reimburse you for the income you'll lose because your tenants will no longer be paying you rent

Inflation Protection4: Automatically adjusts your coverage limits at your policy's renewal to keep pace with inflation. Plus, you'll receive a discount on your premium.

Premises Liability Coverage5: If a claim is made against you for accidental damage in relation to your investment property, Liberty Mutual will defend and pay those claims for which you are legally responsible, up to your policy limits.

*Qualifications and conditions apply. Eligibility may vary by state.
1Work is guaranteed longer than three years in certain circumstances; materials are covered separately under manufacturer's warranty. Eiligiblity may vary by state.
7Availability of Preferred Contractor Network may vary by state.
3Qualifications and conditions apply. Eligibility may vary by state.
4Conditions apply. Not available in all states. Eligibility may vary by state.
5Availability varies by state.Terms and conditions apply.