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Landlord Insurance Coverage

Protect Your Investment.

When the property you own is also a source of income, protecting it against loss is even more important. You have many coverage options to choose from—some come standard and others are add-ons. Talk to an agent about what landlord coverage types are available to you.

  • Dwelling protection
    Covers your rental property and the structures attached to it, like a deck, if something should happen to them.
  • Other structures protection
    Covers garages, sheds and other buildings that are separate from your rental property.
  • Liability coverage
    Covers you if you're sued after an accident, damage or loss related to your property. For example, you might have a lawsuit on your hands if your tenant injures himself on broken stairs in your rental.
  • Fair rental income coverage
    Helps pay the rental income you would otherwise lose if your rental becomes uninhabitable due to a covered loss and your tenants have to move out. You can keep the money coming in for up to 12 months while the unit is being repaired or rebuilt.
  • Premises medical protection
    This type of coverage can help pay for reasonable and necessary medical expenses if someone is injured in an accident on your rental property.
  • Vandalism coverage
    If your rental is vandalized, this add-on can help cover the cost to repair or replace what was damaged. It also provides coverage for belongings used for the rental property.
  • Burglary coverage
    In the event of a burglary, adding burglary coverage to your landlord insurance policy could help pay for the repairs or replacements your dwelling needs. It covers belongings used for your rental property as well.
  • Rental property under construction
    If you're renovating a rental property or building a new construction, this additional coverage could help cover the dwelling before it's ready for occupancy.
  • Building code
    When you're fixing things up after a covered loss, adding building code coverage to your landlord policy could help cover the increased cost of enforcing any building codes, ordinances or laws regulating the construction, reconstruction, maintenance, repair or demolition of your dwelling.

Cover Your Bases With Additional Policies.

Landlord insurance can help protect you in many situations; however, there are a few events that aren't typically covered in landlord policies you might want to consider. These additional policies can help safeguard against flood damage and expensive lawsuits. Learn more about:

  • Flood insurance
    This policy can cover the damage done to your rental properties by floods, which are the #1 natural disaster in the U.S.*
  • Personal umbrella insurance
    You don't have to be a millionaire to be sued like one. Since owning multiple properties gives you more to lose in a major lawsuit, you may want the extra liability coverage personal umbrella insurance provides.

Find an agent who can answer your questions about landlord insurance coverage.

Insurance, coverage and discounts are subject to terms and conditions, which may vary by state. Discount amounts and total savings will vary. Other terms, conditions and exclusions may apply.
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