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Landlord insurance quotes
Affordable landlord insurance,
customize for you.
If you own rental properties landlord insurance can help you protect your investment. So, whether you're looking for rental insurance for landlords or landlord property insurance, we've got you covered.
Want more savings? When you bundle landlord insurance with your home insurance, you could save even more!1 See how much you can save when you only pay for what you need.
You can save when you only pay for what you need.
We'll help you find the landlord discounts you qualify for.
We've been helping insure the things you love for over 100 years!
Save money with these landlord insurance discounts
Save when you insure your home and rental property.1
If you haven't filed a claim with your previous insurance carrier for 5 years or more, you can save.2
Discount applies when customer chooses to receive documents electronically.1
Bundle your insurance,
more like bundle of savings!
We also make it fast and easy for you to get a quote. Check out why people have trusted us with their insurance needs for over 100 years!
Customized landlord insurance coverage built for you
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 Coverage3 | 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 Value4 | 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. |
Why choose Liberty Mutual for landlord insurance?
Savings? We've got those too! You could save when you bundle your landlord and home insurance.1
Start your quote today, to see how much you could save on landlord insurance when you only pay for what you need.
Common questions about landlord insurance
Landlord insurance helps protect your tental properties in the case of covered loss. In general, landlord insurance helps cover teh structure(s) and property used for maintenance.
- Your property itself for things like theft, fire, and severe weather
- Damage or injury that occurs on your rental property
- Loss of rent
No, landlord insurance and home insurance are different. Home insurance offers personal property coverage, meaning your belongings are protected in your home. Landlord insurance primarily protects the "dwelling" (or structure) of a property and isn't made for the place you call home.
When comparing landlord insurance quotes, you may see a lot of similarities. That goes for if you're looking for the best landlord insurance or the cheapest landlord insurance. That's because there are common coverages most policies have like
- Personal Property Coverage
- Premises Liability and Medical Payments to Others
- Dwelling (property damage to your rental property)
- Wind/Hail
- Hurricane Damage
Tips for comparing landlord insurance quotes
- Compare coverages and make sure the options meet your needs
- Choose the same deductibles because they can affect your quote prices
- Optional coverages can affect your price likePersonal Property Replacement Cost or Water Backup Coverage (not always available)
When comparing landlord insurance, you should also think about how easy it is to deal with the company. At Liberty Mutual we make landlord insurance easy. Our fast and easy quotes let you customize your landlord coverages so you only pay for what you need.
Last but not least, you should also consider the insurance company's reputation. At Liberty Mutual, we believe progress happens when people feel secure — and that goes beyond insurance.
With Liberty Mutual, the cost of your landlord insurance is customizable, so you only pay for what you need. Things that will typically impact the cost of landlord insurance include
- The location and surrounding environment
- The type of weather your state experiences
- The age of the building and systems
- If there are recreational features, like a swimming pool or trampoline
Generally, the less risk you have the lower your price may be. It all depends on your needs. Keep in mind that you can lower the cost of your premium by increasing your deductible.
If the damage is caused accidentally, the landlord may be covered. For example, if a tenant has 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.
Yes, for covered losses, dwelling coverage would help pay for a total loss caused by things like fire or severe weather.
Yes, this would be covered ounder the Premises Liability Coverage3 part of a landlord insurance policy. This coverage can help pay for legal action the injured person may take against you.
No. A landlord policy is meant for the owner of the building. For an individual renter and their belongings, they would need a renters insurance policy to hlep cover their own things.