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Landlord & rental property
For a rented single-family, a duplex, or a small portfolio. A homeowners policy won't cover a tenant-occupied house.
Start the landlord & rental property application →- What it covers
- The structure and anything you furnished
- Lost rent while the property is unlivable after a covered loss
- Liability for injuries to tenants and their guests
- Damage caused by a tenant, on some forms
- What it doesn't cover
- Your tenant's belongings — they need renters insurance
- Normal wear and vacancy beyond the policy's vacancy clause
- Typical limits
- Dwelling at replacement cost; liability commonly $300K to $500K, with an umbrella sitting above it.
- Worth knowing
- Require renters insurance in your lease and ask to be named as an additional interest. It shifts a whole category of small disputes off your policy.
Common questions about landlord & rental property
What does landlord & rental property cover?
The structure and anything you furnished. Lost rent while the property is unlivable after a covered loss. Liability for injuries to tenants and their guests. Damage caused by a tenant, on some forms.
What does landlord & rental property not cover?
Your tenant's belongings — they need renters insurance. Normal wear and vacancy beyond the policy's vacancy clause.
What limits are typical?
Dwelling at replacement cost; liability commonly $300K to $500K, with an umbrella sitting above it.
What should I watch out for?
Require renters insurance in your lease and ask to be named as an additional interest. It shifts a whole category of small disputes off your policy.