Landlord Insurance
Your rental is more than a property it’s an investment. Insurance helps you protect both.
Renting your place? From damage to liability claims, rental property insurance helps cover the "what-ifs."
The policy every property owner needs when renting.
Rental property insurance is a specialized type of home insurance designed for property owners not tenants. While it shares some similarities with a standard homeowners policy, it’s specifically tailored to address the unique risks landlords face when renting out a property instead of occupying it themselves such as tenant-caused damage, loss of rental income, and liability exposures.
What does rental property insurance cover?
Rental property insurance goes beyond just covering damage to the building and your personal property like furnished items. It may also include loss of rental income if the property becomes uninhabitable due to covered damage. Additionally, many policies offer liability coverage, protecting you if a tenant or guest is injured on the property and decides to take legal action. It's protection for your investment, your income, and your peace of mind.
What’s not covered by a rental property policy?
One important limitation to keep in mind: Most rental property insurance policies do not cover lost income from tenants who fail to pay rent, nor do they cover the legal costs associated with evicting a tenant. It’s crucial to understand what your policy includes and what it doesn’t so you can plan accordingly and avoid surprises.
Can you insure short-term and long-term rentals?
Renting your place out? Whether it’s for a weekend or a year, make sure your insurance matches your rental plans.
Helps cover the risks involved with renting out a property.
Renting out your property comes with unexpected risks—and that’s exactly why rental property insurance is essential.
In addition to protecting the structure and your belongings, coverage may also include:
Costs to relocate a tenant during repairs
Compensation paid to tenants if essential systems like heating or air conditioning are temporarily out of service due to covered damage
Don’t leave your investment vulnerable.
Have questions about rental property insurance?
👉 Contact us today—we’re here to help you find the right protection for your rental.
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