Landlord Insurance
Specialized insurance for rental property owners covering dwelling, liability, and loss of rental income.
Key Benefits
Dwelling coverage for the physical structure
Liability protection up to $500,000
Loss of rental income coverage if property becomes uninhabitable
Coverage for landlord personal property
Limited coverage for tenant injuries
Ideal For
Single-family rental property owners
Owners of 2-4 unit rental buildings
Long-term buy-and-hold investors
First-time landlords
Coverage Highlights
- •Building structure and permanent fixtures
- •Guest liability and bodily injury
- •Medical payments to third parties
- •Lost rental income due to covered perils
- •Additional living expenses for you
Average Cost
$800-$1,500/year
Actual costs vary based on property details, location, claims history, and specific coverage limits.
Common Misconceptions
Standard homeowners policies cover rentals (they do not)
Landlord insurance covers tenant damage (typically excluded)
Liability coverage includes intentional acts (it does not)
One policy covers multiple properties (need separate policies)
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