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Protect your rental property with coverage built for landlords - from property damage to liability and rental income options.
Coverage for the rental structure after covered losses (like fire, wind, or vandalism).
Protection for detached garages, sheds, and fences.
Coverage for legal and medical expenses if someone is injured on the property.
Helps replace lost rental income if a covered loss makes the home uninhabitable.
Coverage for items you provide (like appliances) - tenant belongings are not included.
Common add-ons include higher liability limits, umbrella options, and coverage for specific risks by carrier/state.
Why You Need It
Landlord insurance protects your rental property, your income, and your financial future. From property damage to liability claims, the right coverage ensures your investment stays secure—even when the unexpected happens.
Single-family rentals and first-time landlords.
Multi-unit rentals or higher-value properties.
Landlords protecting multiple properties and higher assets.
Location
Weather exposure, crime rates, and proximity to fire protection affect pricing.
Property details
Age, construction type, roof condition, and updates influence risk.
Occupancy and vacancy
Vacant properties and short-term rentals can require different underwriting.
Coverage choices
Higher limits and lower deductibles typically increase premium.
Claims history
Prior claims can impact availability and pricing depending on carrier/state.
Safety features
Smoke detectors, alarms, and updated systems can help reduce cost.
No. Tenants need renters insurance for their personal property. Landlord policies can cover landlord-owned items like appliances, depending on the policy.
It depends on the carrier and policy form. We can quote options that include loss of rents or fair rental value coverage.
Some carriers have specific requirements for short-term rentals. We'll confirm the correct policy based on your rental type.
Flood is typically excluded and requires a separate flood insurance policy.
Turnaround varies by property details and carrier requirements. We'll confirm timing after we review the basics.
Often yes. Bundling with auto, home, or umbrella can reduce premiums depending on carrier availability.
Many landlords choose higher limits due to increased exposure. We can compare options and recommend a liability strategy.
Vacant properties may require special coverage. We'll help confirm the right approach based on how long it will be vacant.
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