Insurance for rental properties.

Landlord coverage for single-family rentals, duplexes, and buildings up to four units: the dwelling, lost rent, and liability, written in the name on the deed, whether that is yours or an LLC’s.

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What rental property owners usually carry

Dwelling at replacement cost
Fair rental value
Landlord liability
Other structures
Appliances and furnishings you own
Umbrella

Watch for these in a landlord policy

Actual cash valueBasic dwelling forms often settle at actual cash value, which subtracts depreciation from an older roof or kitchen. Replacement cost usually takes a broader form.
Liability left offA dwelling fire policy does not include liability on its own. It is added separately, and some small landlords go years without it.
Between tenantsMany landlord policies drop vandalism and glass breakage once the house has sat empty for 60 days in a row. Tell us when a turnover runs long.
Lead paintHomes built before 1978 fall under federal lead disclosure rules, and many landlord liability policies exclude lead claims. Keep the signed disclosure with every lease.
Tenant damageCoverage for damage a tenant causes varies from policy to policy. Wear, neglect, and unpaid rent are almost never covered, so the deposit and the lease still matter.

What lenders and property managers ask rental property owners for

Mortgagee clauseThe lender’s name, loan number, and successors and assigns wording on the dwelling coverage.
A landlord formLenders reject a homeowners policy on a house you no longer live in. They want a policy written for a rental.
Rent lossMany rental loan lenders ask for six months or more of lost rent insured.
Manager namedProperty managers often require $500,000 or $1M of liability, with their company named on it.

Questions rental property owners ask

Straight answers.

The questions we hear most, answered plainly.

Can I keep my homeowners policy after I move out and rent the house?

Usually not. A homeowners policy is written for the home you live in. Once tenants move in, you need a landlord or dwelling policy, and your tenants need their own renters policy.

What does landlord insurance cover?

The house, other structures like a detached garage, appliances and anything else you own there, rent lost while a covered loss is repaired, and liability, which some policies include and others add separately. Your tenants’ belongings are theirs to insure.

Is a duplex I live in a rental?

Partly. If you live in one unit, some carriers write it on a homeowners form with the rented unit listed, and others treat it as a rental. Tell us which unit is yours.