Landlord Policies Insurance
Coverage That Shields Your Investment From Everyday Rental Risks
What Is Landlord Policy Insurance?
Landlord Insurance (also known as a landlord policy or rental property insurance) is specialized coverage designed to protect property owners who rent out homes, apartments, condos, or multi-unit buildings. This insurance covers the structure of your rental property, protects you from liability claims, and can include coverage for loss of rental income, tenant-caused damage, vandalism, and unexpected events like fire, storms, or burst pipes.
Whether you own a single rental home or multiple investment properties, Landlord Insurance provides the protection you need to keep your rental investment secure.
Why Do You Need It?
Standard homeowners insurance doesn’t cover rental properties—meaning landlords face unique risks that require specialized coverage. A tenant injury, a kitchen fire, a plumbing disaster, or storm damage can result in expensive repairs or liability claims. Without the proper policy in place, you may be responsible for thousands in out-of-pocket expenses or lost rental income.
Landlord Insurance protects your investment by covering the structure, legal liability, and financial loss associated with renting out your property. It ensures your rental business stays profitable, protected, and resilient through unexpected events.
Types of Landlord Policy Insurance
Dwelling Coverage – Protects the physical structure of your rental property from covered losses like fire, storms, or vandalism.
Other Structures Coverage – Covers detached property features such as garages, fences, carports, or sheds.
Liability Protection – Covers legal and medical costs if a tenant or visitor is injured on the property and you are held responsible.
Loss of Rental Income – Reimburses lost rent if the property becomes uninhabitable due to a covered event.
Personal Property Coverage (Landlord-Owned Items) – Covers appliances, tools, or furnishings you provide for tenants.
Tenant Damage/Vandalism Coverage – Protects against intentional or accidental damage caused by tenants.
Water & Sewer Backup Coverage (Optional) – Covers damage caused by sewer or drain backups not included in standard policies.
Flood Insurance (Add-On) – Provides coverage for flood-related damage, which is not included in most landlord policies.
Earthquake Insurance (Add-On) – Protects your rental property from earthquake-related damage.
Umbrella Liability Coverage – Adds high-limit liability protection for landlords with multiple properties or higher risks.