Fast, affordable landlord insurance

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    One of the best-rated landlord insurance services in America

    RU
    Robert Unterberger
    Wynnewood, PA
    ★★★★★

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

    AC
    Arnold Chambers
    Louisville, KY
    ★★★★★

    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!

    EM
    Eric Martin
    Sacramento, CA
    ★★★★★

    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.

    EO
    Elizabeth Oreo
    Etowah, TN
    ★★★★★

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

    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

    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:

    Real estate investors
    building a rental property portfolio
    Homeowners
    who moved but kept their previous home as a rental
    Multi-unit property owners
    with duplexes, triplexes, or apartment buildings
    Vacation rental hosts
    offering short-term stays
    Inherited property owners
    renting out family homes
    Get a quote
    Phone with quote

    Landlord vs. homeowners insurance explained

    Landlord insurance

    Built for rental properties and income protection
    Designed for properties you don’t live in
    Protects rental homes and investment properties occupied by tenants instead of owners.
    Covers risks tied to renting your property
    Helps protect against property damage, rental liability claims, and property risks unique to rental property owners.
    Liability protection for rental activity
    Coverage applies when injuries or claims arise from tenants, guests, or property conditions.
    Can help protect rental income
    Optional coverages may reimburse lost rent after covered damage.
    Built for higher-risk rental situations
    Specifically structured for the legal and financial exposure landlords face.
    Learn more

    Homeowners insurance

    Not designed for rental properties
    Requires owner occupancy
    If you don’t live in the home, a homeowners policy may not apply.
    Rental activity is typically excluded
    Standard homeowners insurance generally does not cover property damage if a home is tenant-occupied.
    Claims may be denied if the home is rented
    Using a homeowners policy for a rental property can create major coverage gaps.
    Protects personal belongings — not rental operations
    Coverage focuses on the homeowner’s possessions rather than landlord risks.
    Liability coverage isn’t built for tenants
    Personal liability protection may not extend to landlord-specific claims.
    Learn more

    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.

    Single-family
    Multi-family
    ADUs
    Condo units
    Vacant & restoration

    Not sure if your property is covered?

    Contact us

    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

    Fire

    Covers damage from fire, smoke and related events, such as wildfires, accidental kitchen fires or electrical fires caused by malfunctioning appliances.

    Legal liability

    Landlord liability insurance pays medical bills, legal defense, and settlements when a tenant or visitor is injured at your rental. Steadily writes $300K-$2M of liability into every landlord policy in all 50 states. Quote in two minutes.

    Water

    Covers certain water damage not caused by flooding, including burst pipes, HVAC leaks and plumbing overflows.

    Storm and hail

    Covers damage to your rental property caused by storms, hail, wind and lightning - such as fallen trees or hail punctures in roofing structures.

    Loss of rent

    Covers lost rental income for when your rental becomes uninhabitable due to covered perils, or while the repairs are being made.

    Vandalism & burglary

    Covers damage made to your rental property by a burglar or a vandal, such as broken windows or defacements made to walls or exterior structures.

    Riot & civil commotion

    Covers damage to your rental property caused by riots, civil unrest, and public disturbances.

    Coverage for all 50 states

    Alabama
    Alaska
    Arizona
    Arkansas
    California
    Colorado
    Connecticut
    Delaware
    Florida
    Georgia
    Hawaii
    Idaho
    Illinois
    Indiana
    Iowa
    Kansas
    Kentucky
    Louisiana
    Maine
    Maryland
    Massachusetts
    Michigan
    Minnesota
    Mississippi
    Missouri
    Montana
    Nebraska
    Nevada
    New Hampshire
    New Jersey
    New Mexico
    New York
    North Carolina
    North Dakota
    Ohio
    Oklahoma
    Oregon
    Pennsylvania
    Rhode Island
    South Carolina
    South Dakota
    Tennessee
    Texas
    Utah
    Vermont
    Virginia
    Washington
    West Virginia
    Wisconsin
    Wyoming

    Get coverage in minutes

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

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