Coverage Built for the Property You Rent Out
A homeowners policy isn't built for a rental. Landlord insurance helps protect your investment property, your rental income, and your liability as a property owner.
Common landlord coverage categories
Every rental is different. We'll help you understand what each part covers so you can protect your investment with confidence.
Dwelling Coverage
Helps protect the physical structure of your rental property — roof, walls, and built-in systems — against covered perils.
Loss of Rents
Replaces lost rental income if a covered loss makes the property uninhabitable while it's being repaired.
Liability Protection
Helps cover costs if a tenant or guest is injured on the property, or if you're held responsible for damage to others.
Vandalism Protection
Helps cover damage caused by tenants or others — a key exposure for landlords that a standard homeowners policy won't address.
Other Structures
Coverage for detached structures on the rental property, such as a garage, fence, or storage shed.
Optional Endorsements
Add-ons for equipment breakdown, ordinance or law upgrades, and umbrella liability to strengthen your protection.
Protect the income your property generates
Whether you own one rental home or several, the right coverage keeps a covered loss from turning into a financial setback. We'll help you compare options across carriers and coordinate coverage as your portfolio grows.
- Coverage that reflects rental use, not owner-occupied
- Loss of rents protection to keep income flowing
- Guidance on liability limits and umbrella options
- Policy reviews as you add or refinance properties
Own more than one rental? Let's review them together.
Coverage gaps can add up across properties. Request a review and we'll help you compare your current policies against today's options.
Request a Policy ReviewReady to protect your rental property?
Get a landlord insurance quote from a local independent agency.
Get a Landlord Quote