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Landlord insurance

Insurance for the home you rent out, not the one you live in.

A standard homeowners policy can deny a claim the moment a property becomes a rental. Landlord insurance covers the building, your liability as an owner, and the income the property produces.

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Landlord insurance is property and liability coverage built for a home you rent to someone else. It protects the building, covers you if a tenant or visitor is injured on the property, and can replace the rent if a covered loss makes the unit unlivable. A homeowners policy is written for an owner-occupied home and can deny a claim once the home is rented.

What landlord insurance covers

Most landlord policies are built around three things. The dwelling itself, so the structure is repaired or rebuilt after a covered loss. Liability, so you have defense and coverage if someone is hurt at the property. And loss of rents, so the income keeps coming while a covered loss has the unit out of service. Stronger policies add other structures, your own contents at the property, and equipment coverage.

Who needs it

Anyone renting out residential property. That includes a single-family rental, a converted primary home, a duplex or fourplex, a short-term rental, and inherited property that is now tenant-occupied. If a property produces rent and you do not live in it, a homeowners policy is the wrong tool, and the gap usually does not show up until a claim.

The honest part

What landlord insurance does not cover.

Being clear about the limits is part of the job. These are the things people most often assume are covered but are not:

Your tenant's belongings. Their furniture and possessions are theirs to protect with renters insurance, not yours.
Wear and tear. Aging, maintenance, and gradual damage are an ownership cost, not a claim.
Flood and earthquake. Both are excluded from standard policies and need their own coverage.
Unpaid rent. Loss of rents pays after a covered loss, not when a tenant simply stops paying.
Some short-term rental activity. Frequent short-term renting can need an endorsement or a different policy.
Owner-caused or intentional damage. Coverage is for sudden, accidental, covered losses, not deliberate acts.
Common gaps

Where a standard policy leaves you exposed.

No loss of rents, so income stops during repairs

A vacancy clause that voids coverage between tenants

Liability limits too low for a tenant injury claim

The policy named to you, not the LLC that owns it

Cost factors

What affects the price of landlord insurance.

Pricing depends on the risk and the carrier. We cannot promise a number without underwriting, but we can tell you what drives it.

The property

Age, construction, roof, location, and replacement cost.

How it is used

Long-term rental, short-term, or vacant changes the rate.

Coverage and limits

Dwelling limit, liability limit, deductible, and added coverages.

Claims history

Prior losses on you and on the property both matter.

Occupancy and tenants

Tenant type, lease length, and any periods of vacancy.

Ownership structure

Personal versus an LLC or other entity can affect markets.

By state

Landlord insurance where you own.

The policy is the same, but the risk and the market are local. We are licensed across our Western service area, so start with your state. Compare all eleven side by side →

Oregon

Wildfire exposure, older housing stock, and statewide rent rules.

Landlord insurance in Oregon →

California

Wildfire pullback, the FAIR Plan, earthquake, and rent control.

Landlord insurance in California →

Washington

Wildfire east, water and wind west, and Cascadia earthquake.

Landlord insurance in Washington →

Idaho

Fast-rising values, wildfire, hail, and hard winters.

Landlord insurance in Idaho →

Utah

Wasatch fault earthquake, fast appreciation, and wildfire.

Landlord insurance in Utah →

Nevada

Desert flash flooding, heat on roofs, and northern wildfire.

Landlord insurance in Nevada →

Arizona

Heat-aged roofs, monsoon flooding, and high-country wildfire.

Landlord insurance in Arizona →

Montana

Wildfire, hard winters, and remote rebuild costs.

Landlord insurance in Montana →

Colorado

Front Range hail, wildfire pullback, and rising rebuild costs.

Landlord insurance in Colorado →

Texas

Wind and hail, coastal windstorm, freeze, and flood.

Landlord insurance in Texas →

New Mexico

Wildfire, monsoon flooding, and rural rebuilds.

Landlord insurance in New Mexico →
Frequently asked

Landlord insurance questions, answered.

Is landlord insurance required?
It is not required by law, but a lender will almost always require it on a financed rental, and going without it leaves the building, your liability, and your rental income unprotected. Most owners treat it as essential, not optional.
Does it cover tenant damage?
It depends on the cause. Sudden, accidental damage from a covered peril is generally covered. Ordinary wear and tear, neglect, and intentional damage usually are not, which is part of what a security deposit is for.
What is the difference between landlord and homeowners insurance?
Homeowners insurance is for a home you live in. Landlord insurance is for a home you rent out, and it adds the things a rental needs, like loss of rents and stronger liability. Read the full comparison.
Does landlord insurance cover lost rent?
Many policies include loss of rents, which replaces the rental income when a covered loss makes the unit unlivable. It is one of the most valuable coverages for an investor and one of the most commonly missing.
Does it matter if my rental is in an LLC?
Yes. The policy should be named to match how the property is actually owned. If the LLC owns the property but the policy is in your personal name, a claim can be disputed.
How much does landlord insurance cost?
It varies by property, location, coverage, and carrier, so there is no single number. The fastest way to a real figure is a coverage review, where we shop it across carriers and show you the options.
Compare your coverage

Not sure your rental is covered right?

Answer a few quick questions and get a clear read in about two minutes. We will flag the gaps above, compare the market, and you can send in your current policy for a closer look. No pressure, no obligation.

Compare your coverage Or just get a quote
We check for loss of rents, vacancy, and liability gaps
We confirm the policy is named to the right entity
We compare carriers to see where you are overpaying
You get a clear answer, even if you are already covered well
Related resources

Keep going.

Parent

Real estate investor insurance

The full picture for rental and investment property owners.

Coverage

Loss of rents coverage

How rental income gets protected when a unit is out of service.

Comparison

Landlord vs. homeowners insurance

Why a homeowners policy can deny a rental claim.
Don't assume your rental is covered

Let's make sure your landlord policy actually fits.

Send us what you have and we will tell you straight where the gaps are, even if the answer is that you are already in good shape.

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