A standard homeowners policy doesn’t cover rental properties. If you rent out a home, duplex, or apartment, you need specialized landlord insurance to protect against risks unique to property owners, including:
✔ Property Damage – Covers repairs from fire, storms, vandalism, and other perils.
✔ Liability Protection – Shields you from lawsuits if a tenant or visitor gets injured on your property.
✔ Loss of Rental Income – Reimburses lost income if your property becomes uninhabitable due to a covered loss.

1. Property Protection

Covers the structure of your rental home, attached buildings (garage, shed), and essential appliances (if owned by the landlord).

2. Liability Coverage

Protects you against legal expenses, medical bills, and claims if a tenant or visitor suffers an injury on your property.

3. Loss of Rental Income

Provides compensation for lost rent if your property becomes unlivable due to a covered event like fire or storm damage.

4. Optional Coverages

✔ Tenant Damage Coverage – Protection from intentional tenant-caused damage.
✔ Flood & Earthquake Insurance – Additional protection for natural disasters.
✔ Short-Term Rental Coverage – Ideal for Airbnb or vacation rental properties.

Who Needs Landlord Insurance?

Single-Family Home Landlords

Owners of Multi-Unit Rental Properties

Vacation Rental Hosts (Airbnb, VRBO, etc.)

Real Estate Investors & Property Managers

If you own a property and rent it out, landlord insurance is a must-have to protect your investment.