Protect your rental property
Landlord insurance for peace of mind.
Owning rental property comes with unique risks. Get coverage designed for landlords.
From property damage to lost rental income, protect your investment.
Talk to an insurance guide
Licensed pros walk you through quotes, discounts, and next steps in minutes.
Landlord Insurance 101
What is landlord insurance?
Landlord insurance (also called rental property insurance or dwelling fire insurance) covers your rental property's structure, your liability as a landlord, and lost rental income if your property becomes uninhabitable.
Standard homeowners insurance doesn't adequately cover rental properties. Landlord insurance is designed for the unique risks of renting out your property to tenants.
How it works
Getting covered is easier than you think
Whether you're buying your first policy or switching providers, we make it simple to find the right coverage at the right price.
Step 1
Tell us about your rental
Share details about your property, tenants, and rental income.
Single or multi-family
Step 2
Compare landlord policies
See quotes from insurers who specialize in rental property coverage.
Coverage designed for landlords
Step 3
Protect your investment
Get your policy and certificate of insurance for your records.
Coverage starts immediately
Key decisions
Everything you need to make the right choice
Learn how landlord insurance works, discover ways to save, and get the protection you need—all without the headache.
Protect your investment
Coverage for the building, appliances, and fixtures you provide to tenants.
Lost rent protection
Get reimbursed for rental income lost while your property is being repaired.
Landlord liability
Protection if a tenant or visitor is injured on your rental property.
Guided help
Real people ready to help when you need it
Our licensed insurance agents work with local agencies across the country. They understand your state's requirements, know how to find discounts, and can turn confusing insurance-speak into plain English.
- Understanding coverage differences between landlord and homeowners policies
- Finding the right liability limits for rental properties
- Guidance on requiring tenants to carry renters insurance
- Support for claims involving rental properties
Prefer online? Start there and call us whenever you're ready for help.
Questions?
Common questions about landlord insurance
Why do I need landlord insurance instead of regular homeowners insurance?
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Homeowners insurance is for owner-occupied homes. If you rent out your property, you need landlord (or dwelling fire) insurance. It covers rental-specific risks like loss of rental income and liability from tenant injuries that homeowners policies exclude.
Does landlord insurance cover my tenant's belongings?
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No. Landlord insurance covers the building structure, your appliances and fixtures, and your liability as a property owner. Your tenants need their own renters insurance to protect their personal belongings.
What is loss of rental income coverage?
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If a covered event (like a fire) makes your property uninhabitable, loss of rental income coverage pays you the rent you would have collected while repairs are being made—typically for up to 12 months.
Ready to see how much you can save on landlord insurance?
Get personalized quotes in minutes. Our licensed agents are standing by to help you find the best rate.
Landlord Insurance guides and resources
Dive deeper into landlord insurance topics with our in-depth guides and comparisons.
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