Landlord Coverage

Protect your property investment with insurance coverage generally designed for rental property owners. Landlord policies offer protection for liability and property, and options may be available for premises liability and medical payments coverages.

A Landlord policy is generally designed to protect rental properties containing one to four units, including apartments, condominiums, and single- or multi-family homes that you own or rent to others.

One of the risks landlords face is liability for losses that occur on the rental property. If purchased, liability coverage can help protect you from bodily injury or property damage arising from the use of your rental property. Liability limits of $100,000 or higher are available.

A $1,000 limit is included if liability coverage is purchased (higher limits available), which can provide coverage for the medical expenses of a person who is injured on or as a result of a condition on the property. This coverage does not apply to you or anyone who is a regular resident on the property.

A Landlord policy can generally provide rental property owners coverage for the rental property, other structures (such as a garage or a shed), and the landlord’s personal property in the rental unit (such as household furnishings and appliances) from covered damage.

Loss of use coverage can also protect your income by providing coverage for the fair rental value of the property if it is not fit to live in while your property is being repaired as a result of a covered loss. This is subject to coverage terms and limits.

If your rental property is used for short-term rentals, ask us about our additional coverages.  Most Landlords insurance policies do not cover short-term rentals due to the added risks involved.