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A+ RATED CARRIERS FOR LANDLORDS
Why Landlord Insurance?
Property & Dwelling ProtectionCoverage for your building, fixtures, and landlord-owned appliances against covered perils.
Lost Rent CoverageGet reimbursed for rental income if your property becomes uninhabitable after a covered loss.
Liability ProtectionCoverage if a tenant or visitor is injured on your property — legal fees included.
Quick & Easy ApplicationGet a quote in minutes, coverage can start same-day.
Compare Landlord Insurance Rates
Rates shown are estimates. Your actual rate may vary based on location and coverage.
How Much Does Landlord Insurance Cost?
Landlord Insurance Quotes By Property Type
Rental Property Insurance Quotes By Location Risk
Rates shown are national averages. Your actual rate may vary based on location, coverage level, and individual factors.
Best Landlord Insurance Companies
Steadily
Competitive rates and specializes exclusively in landlord insurance. Online quotes in minutes with coverage for all property types.
State Farm
Discounts available when you bundle with auto or other policies. Extensive agent network for in-person support.
Allstate
Comprehensive coverage including identity theft protection and equipment breakdown. Strong financial stability (A+ rated).
Liberty Mutual
Multi-policy discounts for landlords with multiple rental properties. Flexible payment options and strong claims service.
WHAT OUR CUSTOMERS SAY
“Saved over $400 on my rental property coverage. The process took less than 5 minutes. Best landlord insurance experience.”
Greg H. — 3 rental properties, saved $437/year
“Insured all 5 of my rental units through one platform. Multi-property discounts made it even cheaper.”
Diane L. — 5-unit landlord
Frequently Asked Questions
What’s the difference between landlord insurance and homeowners insurance? Landlord insurance (DP3) is specifically designed for rental properties. It includes coverage for lost rental income and protects against tenant-related risks that homeowners policies don’t cover.
How much does landlord insurance cost? Landlord insurance typically costs 15-25% more than a standard homeowners policy due to increased rental risks. The national average is around $1,516 per year, or $67-$127 per month depending on location, property type, and coverage level.
Do I need landlord insurance if my tenant has renters insurance? Yes. Renters insurance only covers your tenant’s personal belongings. As the property owner, you need landlord insurance to protect the building structure, your liability, and lost rental income.
What factors affect landlord insurance rates? Key factors include property location (high-crime or disaster-prone areas cost more), property type (multi-unit costs more than single-family), property value, tenant type, claims history, and the coverage limits you choose.
Can I get landlord insurance without a property inspection? Yes. Many insurers rely on publicly available data and your application details to issue a policy. However, high-value properties or high coverage limits may require an inspection.
Does landlord insurance cover tenant damage? Landlord insurance covers accidental damage from covered perils like fire or water. It typically does not cover intentional tenant damage unless you purchase additional coverage. Security deposits and tenant screening help mitigate this risk.
Is landlord insurance tax deductible?
Yes. Landlord insurance premiums are generally tax-deductible as a business expense for rental property owners. Consult a tax professional for your specific situation.
Protect Your Rental Property Today
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