Landlord & Rental Home Insurance — Investment Property Coverage
Renting out residential property comes with specific risks that a standard homeowners policy may not cover. Landlord insurance may provide protection for the structure, liability exposure, and rental income — tailored for property owners rather than owner-occupants.
Coverage Options
The following coverage options may be available for Landlord & Rental Home Insurance. Availability, terms, and limits vary by state and policy.
Dwelling Coverage
May help cover repairs to the structure of your rental property following a covered loss.
Liability Coverage
May help cover injury or property damage claims made by tenants or their guests against the landlord.
Loss of Rental Income
May provide compensation for lost rent if a covered event makes the property temporarily uninhabitable.
Landlord Personal Property
May cover appliances, furnishings, and other landlord-owned items left on the property for tenant use.
Water & Weather Damage
May cover damage from burst pipes, storms, wind, and other weather-related events.
Vandalism by Tenants
Some policies may offer coverage for malicious damage caused by tenants.
Who May Need Landlord & Rental Home Insurance?
Anyone who rents a home, duplex, or small multi-family property to tenants — including accidental landlords, investors, and property managers.
Top 5 Reasons to Consider Landlord Insurance
- Standard homeowners policies are typically voided or coverage may be reduced when the property is rented to others.
- Tenant-caused damage is a common concern — some landlord policies may help address this exposure.
- Loss of rental income coverage may help bridge financial gaps if a covered event displaces your tenant.
- Liability exposure as a landlord may be significant, particularly if a tenant or visitor is injured on the property.
- Some lenders or property managers may require landlord-specific insurance as a condition of the lease or loan.
Request a Landlord & Rental Home Insurance Quote
Complete the form below and a representative may follow up to discuss available options. No obligation required.