Protect the property. Protect the investment.
Coverage solutions for tenant-occupied rental homes — for landlords with one property or a growing portfolio.
Landlord insurance helps protect rental property you own and lease to tenants. Coverage options may include the building, landlord-owned property, loss of rental income, and premises liability. Not every coverage is automatically included — we explain what's available and help you compare options based on your property and eligibility.
Dwelling Coverage
Coverage for the physical structure of the tenant-occupied rental property in the event of a covered loss.
Other Structures
Coverage options may include detached structures on the rental property, such as garages or carports, subject to policy terms.
Landlord-Owned Property
Coverage options may include items you own and provide for the tenant's use, such as appliances, furnishings, or maintenance equipment.
Loss of Rental Income
May help replace lost rental income if the property becomes uninhabitable due to a covered loss, subject to policy limits.
Premises Liability
Liability protection related to the rental property and your responsibilities as a property owner.
Medical Payments to Others
May help with medical expenses for guests injured on the rental property, regardless of fault, subject to policy limits.
Water Damage
Coverage for certain sudden and accidental water damage, subject to policy exclusions and limits.
Tenant Occupancy Considerations
Coverage considerations can depend on tenant occupancy, lease terms, and how the property is used.
Umbrella Liability
An umbrella policy may provide additional liability limits above the underlying landlord policy, subject to eligibility.
Every rental property is a little different.
Coverage for a tenant-occupied rental depends on how the property is leased, its condition, and how it's managed. We help you understand the options available from multiple insurance markets so you can make an informed decision.
Some considerations — such as tenant occupancy, lease terms, and property condition — can affect which carriers are willing to offer coverage and at what terms.
Tenant-Occupied Use
Landlord insurance is generally built around properties leased to tenants under a rental agreement, which can differ from owner-occupied or short-term rental use.
Lease & Occupancy Type
Long-term leases, month-to-month arrangements, and Section 8 tenancies can each affect how a carrier evaluates the property.
Property Condition
Age, construction, roof condition, and updates to major systems can influence available coverage and pricing.
Multiple Properties
Whether you insure one rental home or a portfolio, we can help review options that may align with how your properties are held and managed.
Insure a rental property.
Tell us about your tenant-occupied rental property or portfolio and we'll help you review available coverage.