Landlord & rental property
Coverage for homes and units you rent to others: the building, your liability as an owner, and the rent you could lose after a covered loss.
What it generally covers
- The rental dwelling and other structures
- Landlord liability if a tenant or guest is hurt
- Loss of rental income after a covered loss
- Options for vandalism and other structures
Who usually asks about it
- Owners of single-family rentals and small multi-units
- Owners of short-term and long-term rentals
- Homeowners moving out and renting their former home
- Investors adding properties to a portfolio
Common questions
Does my homeowners policy cover a rental?
Usually not once the home is rented to others. Landlord (dwelling fire) policies are built for that situation.
What about short-term rentals?
Short-term rentals often need specific coverage. Many standard policies limit or exclude them.
Should tenants have their own coverage?
Many landlords require renters insurance, which protects the tenant's belongings and liability.
Personal coverage is available in Georgia, Florida, Louisiana, Texas, Mississippi, Maryland and New Jersey.
General information only. Coverage depends on the policy's terms, conditions and underwriting. A licensed agent can review what fits your situation.