LANDLORD INSURANCE
Coverage built for landlords, not adapted from homeowners insurance.
Landlords face risks a standard homeowners policy doesn't cover, from tenant injuries to lost rental income, and a landlord policy is built specifically to close that gap.
What landlord insurance covers
Being a landlord comes with risks a typical homeowners policy isn't built for. If you're held responsible for a tenant injury or property damage, landlord liability coverage handles the medical expenses, legal defense, and court judgments that follow. It also extends to loss of rental income if a covered event leaves your property uninhabitable.
Beyond the standard coverage, we can add options based on your specific property, including:
- Legal fee coverage for disputes tied to your rental property
- Emergency repair services to address urgent issues before they become larger claims
Coverage for the property, and for the income it provides
A single claim shouldn't put your rental investment or the income it generates at risk. Our landlord policies are built to protect both.
Here's how a landlord policy protects your investment
Asset protection for your rental property
Liability coverage for tenant injuries and property damage
Loss of rental income
Legal defense costs
Property damage coverage
Emergency repair support
Landlord insurance vs. homeowners insurance
A homeowners policy is built to cover a property you live in. Once you're renting a property out to tenants, that coverage typically doesn't apply, and a claim tied to a rental could be denied. Landlord insurance is built specifically for rental risk: tenant injuries, liability tied to the rental relationship, and lost income if the property becomes uninhabitable.
Managing more than one property or vehicle for your rental business?
If your rental business also involves a commercial vehicle or you're weighing whether a Business Owner's Policy makes more sense than a standalone landlord policy, we can walk through the options together.
What sets our approach apart
Every property and every landlord is different, so we assess your specific situation before recommending coverage. We offer monthly payment options and give real consideration to prior claims history when building your policy, with an agent who works the details with you directly rather than a generic package.
Landlord insurance questions we hear a lot
What does landlord insurance cover?
It covers the physical structure of your rental property, liability if a tenant or visitor is injured, and loss of rental income if the property becomes uninhabitable after a covered event. Add-ons like legal fee coverage and emergency repair services are also available.
Do I need landlord insurance if I have a mortgage?
Yes. A mortgage doesn't provide insurance coverage on its own, and most lenders require you to carry adequate coverage on a rental property, but a standard homeowners policy typically won't apply once the property is rented out.
Landlord insurance vs. homeowners insurance, what's the difference?
Homeowners insurance covers a property you live in. Landlord insurance is built for rental risk, covering tenant-related liability and lost rental income that a homeowners policy doesn't address.
Does landlord insurance cover tenant damage?
It generally covers damage from events like fire, storms, and certain accidental damage, though intentional tenant damage may fall outside standard coverage. We can walk through your policy's specific terms so you know where the line is.
