Landlord Insurance

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What does landlord insurance cover?

Your property itself
Damage or injury that occurs on your rental property
Loss of rent

We customize your insurance so you only pay for what you need.

What is landlord insurance?

Landlord insurance is for the protection of rental properties. Generally, policies cover the structure(s) and property used for maintenance.

Yes, landlord and home insurance are different. Home insurance offers personal property coverage, meaning your belongings are protected in your residence. Landlord insurance primarily protects the "dwelling" (or structure) of a property and is not intended for the place you call home.

Does landlord insurance cover tenant damage?

If the damage is caused accidentally, the landlord may be covered. For example, if a tenant experiences a fire in their kitchen, the property would likely be covered.

Consider requiring your tenants to have Renters Insurance. Policies are affordable and easy to get online.

Learn about Renters Insurance

Couple walking through the front door of a house

Understand your landlord coverage options

Coverage

Real life example

Standard

Add-on

Dwelling

Your property suffers a total loss from damage. This coverage will take care of repairs.

Premises Liability Coverage¹

A maintenance worker slips and injures himself on your property. You'll be covered for any legal action the person may take against you.

Wind/Hail

A bad hail storm causes damage to the windows of your rental property. This will help you get them repaired.

Fair Rental Value²

One of your units suffers fire damage and you're unable to rent it. This will cover the lost rent while repairs take place.

Inflation Protection³

A rise in inflation causes contracting repair costs to also rise. This keeps pace with inflation, so you’re covered for a total loss.