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Landlord Insurance

Landlord Insurance Information

If you own property that you rent for income, then you need landlord insurance. It is important to protect your property from mishaps that could destroy your source of income.

This insurance is for owners of property that is rented to others. It covers the structure and the fixtures. This coverage does not extend to personal property of the renters. Landlord coverage can also cover personal liability and loss of income.

This coverage is for anyone who rents out property as a source of income. In most states, landlord coverage is required for any property owner who does not live in the building with their tenants.

How it Works

Landlord coverage is similar to homeowners insurance. It covers the building and the fixtures of your rental property. Liability coverage should be included as well. You will also have the option of including additional coverage for various situations. However, the insurance does not cover is things that belong to tenants. If the property is damaged or destroyed, then you need to file a claim with your insurance company.


The biggest benefit of landlord insurance is the ability to protect your rental property. You will receive financial help following a natural disaster or intentional damage from a tenant.