Landlord Insurance
Rental properties need specialized coverage that goes beyond a standard home policy. Whether you have one rental unit or a portfolio of properties, we build landlord programs that protect the building, provide liability coverage, and replace lost rental income when things go wrong.
What Landlords Need
Property coverage for your rental
Coverage for the building structure, common areas, and landlord-owned fixtures. We typically recommend replacement cost coverage so you can rebuild after a loss without depreciation penalties.
Liability protection
Commercial General Liability covers bodily injury and property damage claims from tenants, visitors, or third parties. This is essential protection for any rental property owner.
Loss of rental income
If a covered loss makes your property uninhabitable, loss of rental income coverage helps replace the rent you would have collected during repairs.
Property Types We Insure
Single family rentals
Houses, townhomes, and detached properties rented to single tenants or families.
Multi-unit residential
Duplexes, triplexes, fourplexes, and small apartment buildings.
Condos rented out
Condo units you own and rent to tenants. Coordinates with the condo corporation's master policy.
Commercial rental properties
Retail spaces, office buildings, and mixed-use properties with commercial tenants.
Single family rentals
Houses, townhomes, and detached properties rented to single tenants or families.
Multi-unit residential
Duplexes, triplexes, fourplexes, and small apartment buildings.
Condos rented out
Condo units you own and rent to tenants. Coordinates with the condo corporation's master policy.
Commercial rental properties
Retail spaces, office buildings, and mixed-use properties with commercial tenants.
Rental properties deserve the right coverage.
Let's build a program that protects your investment.
We'll review your property, your tenants, and your risk profile, then present clear options. If you have multiple properties, we can often package them for better terms.
Key Things to Know
Your personal home policy does not cover rentals
Once you rent out a property, you need landlord-specific coverage. Personal home policies typically exclude rental operations.
Tenant insurance does not protect you
Tenant insurance protects the tenant's belongings and liability. It does not cover your building, your liability, or your lost rent.
Water damage is a major claim driver
Frozen pipes, tenant-caused water damage, and sewer backup are common claims. We pay attention to water coverage and recommend practical prevention measures.
Your personal home policy does not cover rentals
Once you rent out a property, you need landlord-specific coverage. Personal home policies typically exclude rental operations.
Tenant insurance does not protect you
Tenant insurance protects the tenant's belongings and liability. It does not cover your building, your liability, or your lost rent.
Water damage is a major claim driver
Frozen pipes, tenant-caused water damage, and sewer backup are common claims. We pay attention to water coverage and recommend practical prevention measures.
Common Landlord Add-Ons
These are the coverages landlords often add once the basics are in place.
Frequently Asked Questions
Do I need different insurance for a rental property?
Yes. Personal home insurance typically excludes rental operations. Landlord insurance is designed specifically for properties you rent to others.
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