Landlord insurance for rental homes, condos and ADUs

Landlord insurance, often written as a dwelling fire policy, covers a home or condo you rent to others: the building, lost rent after a covered loss, and your liability as the owner. A regular homeowners policy usually stops covering a house once you move out and rent it, which is one of the most common and costly gaps we find.

What landlord insurance covers

• Dwelling and other structures on the rental property
• Fair rental value: lost rent while the property is being repaired
• Premises liability: claims from tenants or visitors
• Landlord’s contents: appliances and furnishings you provide
• Optional: vandalism, water backup and ordinance or law coverage

Short-term rentals, ADUs and multiple properties

Renting a room, an accessory dwelling unit or a short-term rental changes your insurance needs, and not every carrier will cover them. If you own several rentals, we can often schedule them together, and owners of five or more units may be better served by a commercial apartment policy. We also make sure your umbrella policy lists every rental.