PROPERTY INSURANCE
Protect the property
you rent to others.
Landlord insurance is designed for tenant-occupied residential property and can help protect the building, landlord-owned property and rental-income exposure.
Different properties.
Different protection.
A tenant-occupied property is not the same exposure as an owner-occupied home. Occupancy, lease arrangements and property condition all matter.
A landlord policy can combine property, premises liability and rental-income protection, subject to the carrier and policy form.
Dwelling & Landlord Property
Coverage can help protect the rental dwelling, attached structures and certain landlord-owned property used to service the rental.
✓ Dwelling and attached structures
✓ Other structures such as a detached garage or fence
✓ Personal property / belongings
✓ Personal liability protection
✓ Medical payments to others, where available
✓ Additional living expense after a covered loss
Flood and earthquake are generally not included in standard homeowners policies and may be available separately, subject to eligibility.
Liability & Medical Payments
Premises liability can help with covered claims alleging bodily injury or property damage arising from ownership of the rental property.
✓ Dwelling and attached structures
✓ Landlord-owned personal property such as appliances
✓ Premises liability protection
✓ Medical payments to others, where available
✓ Loss of rental income / fair rental value after a covered loss
Tenant belongings are not covered under a landlord policy. Tenants should consider renters insurance.
Loss of Rental Income
Fair rental value or loss-of-rents coverage may help replace qualifying rental income after a covered property loss.
✓ Buildings and structures
✓ Business personal property, equipment and tools
✓ Inventory, furniture and fixtures
✓ Business income and extra expense, where included
✓ Equipment breakdown and other optional coverages may be available
Coverage, causes of loss, valuation, limits and deductibles vary by policy and carrier.
Core landlord coverage areas
Rental Dwelling
✓ Building and attached structures
✓ Property condition and occupancy matter
✓ Valuation and deductible options
Landlord Property
✓ Appliances and landlord-owned contents
✓ Special limits may apply
✓ Tenant belongings are not included
Liability & Rental Income
✓ Premises liability
✓ Medical payments where available
✓ Fair rental value after a covered loss
Coverage details matter.
Every property and situation is different. Factors like rebuilding cost, property valuation, deductibles, limits, occupancy and how the property is used can all affect your coverage.
We’ll help you understand the important differences between options and find the right protection for your specific needs.
Tell us about renovations, rental use, vacancy, special property features and other changes that could affect underwriting.
Additional coverages to consider.
Flood Insurance
Generally not included in standard policies.
Earthquake Insurance
Generally not included in standard policies.
Valuable Items
Higher-value items may require additional coverage.
Water Backup
May be available as an optional endorsement.
Ordinance or Law
May help with increased rebuilding costs where available.
Equipment Breakdown
May be available for eligible properties.
Umbrella / Excess Liability
Additional liability protection may be available.
Vacancy / Unoccupancy
Special underwriting and coverage considerations may apply.
PROTECT YOUR RENTAL PROPERTY
Get a landlord insurance quote or speak with our team about the dwelling, liability and rental-income exposures.
☎ 877-291-9519