Fast, affordable landlord insurance

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

  • Quote in seconds
  • Nationwide coverage
  • Largest landlord insurance specialist¹
Illustration of a duplex being lifted by a beam of light

One of the best-rated landlord insurance services in America

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

    Robert UnterbergerWynnewood, PA

  • 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!

    Arnold ChambersLouisville, KY

  • 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.

    Eric MartinSacramento, CA

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

    Elizabeth OreoEtowah, TN

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
Illustration of a craftsman house under a tree

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

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:

Phone showing a Steadily quote with monthly price and dwelling coverage
  • Illustration of two toy houses side by side

    Real estate investors building a rental property portfolio

  • Illustration of house keys on a Steadily key tag

    Homeowners who moved but kept their previous home as a rental

  • Illustration of a tall apartment building

    Multi-unit property owners with duplexes, triplexes, or apartment buildings

  • Illustration of a bubble bath in a clawfoot tub

    Vacation rental hosts offering short-term stays

  • Illustration of a family fireplace with a painting above the mantel

    Inherited property owners renting out family homes

Landlord vs. homeowners insurance explained

Landlord insurance

Built for rental properties and income protection

  • Designed for properties you don’t live inProtects rental homes and investment properties occupied by tenants instead of owners.
  • Covers risks tied to renting your propertyHelps protect against property damage, rental liability claims, and property risks unique to rental property owners.
  • Liability protection for rental activityCoverage applies when injuries or claims arise from tenants, guests, or property conditions.
  • Can help protect rental incomeOptional coverages may reimburse lost rent after covered damage.
  • Built for higher-risk rental situationsSpecifically structured for the legal and financial exposure landlords face.
Landlord insurance guide

Homeowners insurance

Not designed for rental properties

  • Requires owner occupancyIf you don’t live in the home, a homeowners policy may not apply.
  • Rental activity is typically excludedStandard homeowners insurance generally does not cover property damage if a home is tenant-occupied.
  • Claims may be denied if the home is rentedUsing a homeowners policy for a rental property can create major coverage gaps.
  • Protects personal belongings — not rental operationsCoverage focuses on the homeowner’s possessions rather than landlord risks.
  • Liability coverage isn’t built for tenantsPersonal liability protection may not extend to landlord-specific claims.
Homeowners vs landlord insurance

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.

Not sure if your property is covered?

Contact us

Coverage for all 50 states

Get coverage in minutes

Hand-drawn illustration of a row of rental houses