SERVICES
Landlord Insurance
Your rental property is your investment—and your income stream. Landlord insurance protects the building, your liability, and your financial future when things go wrong.
Owning rental property can be a powerful way to build wealth. But it also comes with unique risks that standard homeowners insurance does not cover.
Landlord insurance is designed specifically for property owners who rent to tenants. It provides financial protection against losses that are part and parcel of owning and leasing residential real estate.
What landlord insurance typically covers:
Dwelling coverage
repairs or rebuilding of the structure after a covered loss
Liability protection
if a tenant, neighbor, or visitor is injured on your property and sues
Loss of rental income
reimburses you for lost rent if the unit becomes uninhabitable due to a covered event
Personal property used for the rental
items you provide, such as appliances, lawn equipment, or furnishings
What it does NOT cover:
Your tenant’s personal belongings. They need renters insurance for that.
How it works:
When your property is damaged, you file a claim and pay your deductible. The insurance provider covers the remaining costs, up to your policy limit. You are responsible for any amount beyond that limit.
If rental income is your primary source of income—or even a secondary one—landlord insurance isn’t optional. It’s how you protect your investment and your peace of mind.
