Landlord Insurance
What is landlord insurance?
If you rent your property to tenants (whether long-term on an annual lease or short-term), you want to get the right coverage you need for peace of mind.
Tenant types
Long-term rental – typically an annual lease
Short-term rental – i.e. Airbnb, VRBO, or HomeAway
Vacation rental – you stay there sometimes, and you rent it out short-term other times of the year
Please let us know which type of rental you’re offering so we can find the best coverage fit for you.
What is typically covered?
The home's structure and other structures on your property
Personal property you provide such as appliances (if you plan to rent out the property furnished, let us know and we’ll work with you for the proper coverage)
Loss of rents if a covered loss occurs and tenants must move out while the home is being repaired
Your liability if someone is injured on the property
Most property insurance policies will generally cover for damage to your house or other structures by certain perils, including:
Fire and lightning
Wind
Smoke
Explosions
Aircrafts
Vehicles
Smoke
Theft and vandalism
Falling objects
What might not be covered?
Some common landlord policy exclusions are wear and tear, maintenance, or owner occupancy in some cases (since it’s intended to be tenant occupied). Earthquake and flood are separate policies.
Tenant’s belongings are also not covered. Tenants should purchase their own renters insurance.
