Landlord insurance, for the home you rent to others.

Why a homeowners policy is the wrong fit

Homeowners policies are written for owner-occupied homes. Once tenants move in, a claim can be denied because the occupancy no longer matches the policy. Landlord or dwelling-fire coverage is built for that exposure.

It also adds protections a homeowners policy does not center on, like loss of rents and landlord liability.

What landlord coverage addresses

The core pieces are the dwelling itself, your liability as a landlord, and loss of rental income while the property is uninhabitable after a covered loss. Requiring tenants to carry renters insurance fills the gap for their belongings and adds a liability layer.

If you own several rentals or hold them in an LLC, the structure and coordination matter, and that is where this overlaps with real estate investor coverage.

When it is worth a review

Review when you convert a home to a rental, buy a rental property, move a property into an LLC or trust, or add units. If you are building a portfolio, our real estate investor section goes deeper.