Landlord Insurance

Landlord insurance helps protect you from the cost of having to repair or rebuild your rental property after an incident, such as a fire or damaging storm. It also provides liability coverage, which helps protect you from many lawsuits alleging you’re responsible for damage or injury to another party. This is especially important since you aren’t living on the property and may not be aware of changing conditions.

Landlord insurance. A family moving into a rental home.

Coverage

There are many coverage options available, depending on your needs. Keep in mind that your tenant is responsible for their own personal property and liability, so they should have a renters insurance policy.

View of a classic two story home with plants in front.

Liability

Covers bodily injury and property damage you cause to another, including your tenant.

Dwelling

Covers physical damage to the home and attached structures.

Other Structures

Covers physical damage to other structures on the property that aren’t attached to the home, like a detached garage.

Loss of Income

Covers lost rents if the home becomes unlivable for your tenant after a covered incident.

Personal Property

Covers certain equipment used to maintain the property, such as a lawn mower, and more permanent equipment, like appliances.

Discounts

Insurance companies offer discounts for a variety of things. Some discounts are common to nearly all companies and others are specific to the carrier. Some common discounts are listed below. Be sure to review all discounts offered by the company once you’ve narrowed down your quotes to a few potential carriers.

Package

Pay in full

Protective devices

New roof

EFT payments

Claim free

Fire Extinguisher

Advanced quote

And more

Properties

Since we’re an independent agency, we can offer coverage on nearly any type of rental property, from apartments to single family homes.

Single family

Multi-unit

Apartments

Condos

AirBNB / VRBO

Manufactured home

And more

Custom Quotes with Personal Service

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