Landlord Insurance
Protect the property you rent out
Coverage built for rental property owners
A rental property isn't covered by a standard homeowners policy — the moment tenants move in, your exposure changes. A landlord policy protects the building, the liability that comes with renting to others, and the rental income you'd lose if the property became unlivable.
Whether you own a single rental, a duplex, or a handful of units, we'll build coverage that fits how you actually rent.
Protect the investment and the income
Your rental is both a building and a source of income — and a landlord policy protects both. If a covered loss forces your tenants out, coverage can replace the rent you'd otherwise lose while repairs are made.
What We Cover
- Dwelling & Structures
- Landlord Liability
- Loss of Rental Income
- Vandalism & Theft
- Guest Medical Payments
FAQ
Frequently Asked Questions
Can't I just use my homeowners policy on a rental property?
No. Homeowners policies are written for owner-occupied homes and exclude most losses once you rent the property out. A landlord (dwelling) policy is built for rentals — it covers the structure, your liability as a landlord, and lost rental income.
Does landlord insurance cover my tenant's belongings?
No — your policy covers the building and your liability, not your tenants' personal property. That's what renters insurance is for. Many landlords require tenants to carry their own renters policy, and we're happy to help your tenants get covered.
What is loss of rental income coverage?
If a covered event — say a fire — makes your rental uninhabitable, your tenants stop paying rent while it's repaired. Loss of rental income coverage replaces that lost rent so a covered loss doesn't also cut off your cash flow.
Get a Free Quote
Tell us about you — we'll take it from there.
Protecting rental property owners in Montgomery County