Landlord Insurance
What’s typically covered
A standard landlord insurance policy usually includes:
Dwelling Coverage
Protects the structure of your rental property.Other Structures
Covers garages, sheds, fences, or detached structures on the premises.Landlord-Furnished Property
Covers appliances or furnishings you provide (important to disclose if the unit is furnished).Loss of Rental Income
Reimburses lost rent if the property becomes uninhabitable due to a covered claim.Liability Protection
Covers legal and medical costs if someone is injured on your property.
Some landlord policies may also include personal injury liability for claims like wrongful eviction or invasion of privacy. Coverage varies by carrier and should be reviewed carefully.
What is landlord insurance?
If you rent out a property—whether it’s a single-family home, duplex, or small apartment building—standard homeowners insurance may not fully protect you.
Landlord insurance is designed for rental properties, offering coverage for the structure, liability risks, and loss of rental income tied to tenant-occupied homes.
It helps protect your investment while giving you peace of mind as a property owner.
Why occupancy matters
How your property is used plays a major role in how it should be insured. California insurers assess risk differently based on occupancy type:
Tenant-Occupied Properties
Typically qualify for standard landlord insurance.Owner-Occupied or Part-Time Use
May require a different policy type or endorsement.Vacant Properties
Carry higher risk and often need special coverage during unoccupied periods.
Tip: Accurately identifying occupancy helps ensure your policy is valid and responds properly in the event of a claim.
What’s not covered
Landlord insurance typically does not cover:
Routine maintenance or wear and tear
Flood or earthquake damage (separate policies required)
Owner-occupied use unless specifically endorsed
Tenants’ personal belongings
Tip: Encourage tenants to carry renters insurance. It protects their belongings and provides liability coverage if they accidentally cause damage or injury. Many landlords include this requirement directly in the lease.
Common covered perils may include:
Fire · Windstorms · Vandalism or theft · Smoke damage · Falling objects · Vehicle or aircraft impact · Explosions
We’ll help you protect your rental property with coverage that actually fits.