Skip to main content
Personal coverage

Landlord / Rental Property Insurance

Renting out a property turns your home into a business asset, and a standard homeowners policy won't cover it once tenants move in — many will even deny claims if they learn the unit was rented. Landlord insurance protects the structure, lost rental income after a covered loss, and your liability if a tenant or visitor is injured on the property.

Request Landlord Quote Schedule Consultation

Who this coverage is for

This is for people who own a property they rent out to tenants, whether it is a single rental home, a duplex, or a small apartment building. It protects the property as a business asset and covers risks that a standard homeowners policy is not designed to handle.

What it can help protect

Landlord insurance is built around a property you rent to others:

  • The building — repairs or rebuilding if covered events like fire or storms damage the structure.
  • Liability — costs if a tenant or visitor is injured on the property and you are found responsible.
  • Lost rental income — payments to help replace rent while a covered repair makes the unit unlivable.
  • Your property — appliances, furnishings, or equipment you own and provide for tenants.
  • Optional add-ons — coverage such as protection against certain tenant-caused damage.
Regularly misunderstood coverages
Homeowners vs. Landlord vs. Renters

Renting it out vs. living in it.

Related comparisons:

Key choices and underwriting factors

A licensed review will usually focus on occupancy type, vacancy, and short-term-rental restrictions, deductibles and claims tolerance, and portfolio review if you own multiple properties.

Common Questions