Landlord Insurance for Rental Properties
Coverage built for rental property owners — the dwelling, your liability as a landlord, and the rent you’d lose if the place became unrentable.
If you rent out a home, condo, duplex, or small multi-unit, a regular homeowners policy usually isn’t the right fit — and can even be voided once tenants move in. Landlord insurance (often called a dwelling or DP policy) is built for the way rentals actually work.
What Landlord Insurance Covers
What’s Not Covered
Every policy has limits. Here’s what to plan for separately — we’ll help you handle each one.
Who Needs Landlord Insurance
“Accidental” landlords
Kept your old home as a rental? Your homeowners policy likely won’t cover it anymore.
Single-family & small multi-unit owners
Houses, condos, duplexes, triplexes, and fourplexes.
Short-term rental hosts
Airbnb/VRBO use has real gaps — we’ll structure coverage that actually applies.
Coverage Options & Add-Ons
Build the policy around your real needs — not a one-size-fits-all package.
Loss of rents
Replaces rental income while the property is being repaired after a covered loss.
Fair-rental / vacancy protection
Coverage considerations for periods between tenants.
Umbrella liability
Extra liability protection across all your properties.
Building ordinance or law
Pays extra rebuild costs to meet current building codes.
Oregon & Washington Considerations
Oregon & Washington landlord considerations
Both Oregon and Washington have active landlord-tenant rules that can affect how eviction, notice, and rent work — which in turn affects your loss-of-rent exposure. We won’t give you legal advice, but we will make sure your policy’s rental-income and liability coverage line up with how you actually operate. A smart, low-cost move: require your tenants to carry renters insurance and name you as an interested party — we can even quote your tenants directly.
What Affects Your Cost
Transparency up front — here’s what actually moves your premium.
Frequently Asked Questions
What’s the difference between landlord and homeowners insurance?
Homeowners insurance is for a home you live in; landlord insurance is for a property you rent to others. It shifts the focus to the building, your landlord liability, and lost rent — and it covers uses a homeowners policy excludes.
Does landlord insurance cover my tenant’s belongings?
No. Your policy covers the building and your interests; your tenant’s belongings are covered by their own renters insurance. Requiring tenant renters coverage protects everyone.
Do I need it for a single rental house?
Yes. As soon as a home is rented out rather than owner-occupied, a standard homeowners policy usually no longer applies — landlord coverage is the correct fit.
When do I need habitational coverage instead?
Generally once you own a larger building (commonly 5+ units), carriers treat it as a commercial habitational risk. We write both and will point you to the right one.
Related Coverage
Ready for a free landlord quote?
A few quick questions and we’ll shop it across our carriers. No obligation, no pressure.