Fast, affordable landlord insurance

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Largest landlord insurance specialist ¹
 
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One of the best-rated landlord insurance services in America

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Robert Unterberger
Wynnewood, PA
★★★★★

Best coverage option for small landlord. Very impressed by easy to navigate website and competitive coverage. Couldn’t ask for better.

AC
Arnold Chambers
Louisville, KY
★★★★★

The process of getting a landlord policy was very smooth. A few text messages, and the price was great, new policy saved us over $600!

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Eric Martin
Sacramento, CA
★★★★★

I had a quote within half an hour and then connected them with my mortgage lender for closing via email. Very easy to work with.

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Elizabeth Oreo
Etowah, TN
★★★★★

They respond quickly and communicate well. I was able to get the policy I needed to convert my vacation home to Airbnb.

What is landlord insurance?

Landlord insurance is a policy that protects rental property owners from property damage, liability claims and lost rental income. It covers risks specific to renting out a home that a homeowners insurance policy typically does not. A standard policy would include:

Property protection
against fire, water and storm damage
Liability coverage
 for injuries and legal claims
Loss of rental income
 if your property becomes uninhabitable

Who is it for?

Landlord insurance is designed for anyone who rents out residential property and needs protection against tenant-related risks. Whether you're just starting out or managing multiple units, this coverage protects your investment and income. Policies are designed for:

Real estate investors
building a rental property portfolio
Homeowners
who moved but kept their previous home as a rental
Multi-unit property owners
with duplexes, triplexes, or apartment buildings
Vacation rental hosts
offering short-term stays
Inherited property owners
renting out family homes
Get a quote
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Landlord vs. homeowners insurance explained

Landlord insurance

Built for rental properties and income protection
Designed for properties you don’t live in
Protects rental homes and investment properties occupied by tenants instead of owners.
Covers risks tied to renting your property
Helps protect against property damage, rental liability claims, and property risks unique to rental property owners.
Liability protection for rental activity
Coverage applies when injuries or claims arise from tenants, guests, or property conditions.
Can help protect rental income
Optional coverages may reimburse lost rent after covered damage.
Built for higher-risk rental situations
Specifically structured for the legal and financial exposure landlords face.
Learn more

Homeowners insurance

Not designed for rental properties
Requires owner occupancy
If you don’t live in the home, a homeowners policy may not apply.
Rental activity is typically excluded
Standard homeowners insurance generally does not cover property damage if a home is tenant-occupied.
Claims may be denied if the home is rented
Using a homeowners policy for a rental property can create major coverage gaps.
Protects personal belongings — not rental operations
Coverage focuses on the homeowner’s possessions rather than landlord risks.
Liability coverage isn’t built for tenants
Personal liability protection may not extend to landlord-specific claims.
Learn more

Properties we look after

We make it easy to get landlord insurance for many types of properties. We also cover short-term rental properties, such as Airbnbs and VRBOs.

Single-family
Multi-family
ADUs
Condo units
Vacant & restoration

Not sure if your property is covered?

Contact us

What does landlord insurance cover?

We cover a wide range of risks, or you can choose a limited set of coverages for a lower premium

Fire

Covers damage from fire, smoke and related events, such as wildfires, accidental kitchen fires or electrical fires caused by malfunctioning appliances.

Legal liability

Landlord liability insurance pays medical bills, legal defense, and settlements when a tenant or visitor is injured at your rental. Steadily writes $300K-$2M of liability into every landlord policy in all 50 states. Quote in two minutes.

Water

Covers certain water damage not caused by flooding, including burst pipes, HVAC leaks and plumbing overflows.

Storm and hail

Covers damage to your rental property caused by storms, hail, wind and lightning - such as fallen trees or hail punctures in roofing structures.

Loss of rent

Covers lost rental income for when your rental becomes uninhabitable due to covered perils, or while the repairs are being made.

Vandalism & burglary

Covers damage made to your rental property by a burglar or a vandal, such as broken windows or defacements made to walls or exterior structures.

Riot & civil commotion

Covers damage to your rental property caused by riots, civil unrest, and public disturbances.

Coverage for all 50 states

Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming

Get coverage in minutes

Competitive rates nationwide. Purpose-built for rental property investors.

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