Protect Your
Rental Investment

Typically yes — about 15–25% more, because rental properties carry higher risk (tenant damage, vacancy, liability). However, we shop 50+ carriers to find competitive rates and the rental income usually more than offsets the cost.

It covers sudden, accidental damage (like a fire a tenant starts) but not normal wear and tear or intentional damage. For intentional damage, your recourse is the tenant's security deposit and potential legal action.

Yes. Standard homeowners and landlord policies may not cover short-term rentals. We can find policies specifically designed for vacation and short-term rental properties.

We can insure all your properties — either individually or under a multi-property portfolio policy, which often comes with volume discounts. We'll structure it for the best coverage and price.

Homeowners insurance is designed for owner-occupied homes — it won't cover a property you rent out. Landlord insurance fills that gap by covering the dwelling, liability from tenants or visitors, and lost rental income if the property becomes uninhabitable. It also accounts for the higher risks that come with tenants, like property damage and turnover. If you're renting out a property with a homeowners policy, you're essentially uninsured.

Yes — most landlord policies include loss of rental income coverage (also called fair rental value). If your property is damaged by a covered event like a fire or storm and your tenants have to move out while repairs are made, the policy reimburses you for the rent you would have collected during that time. This is one of the most valuable coverages for landlords because it keeps your cash flow protected even when the unexpected happens.

Absolutely. Renters insurance only covers your tenant's personal belongings and their own liability — it does nothing to protect the building, your liability as the property owner, or your lost rental income. You need landlord insurance to protect the structure itself and your financial interest in the property. Think of it this way: renters insurance protects the tenant, landlord insurance protects you.

Landlord insurance typically costs 15–25% more than a standard homeowners policy on the same property, because rental properties carry higher risk. For most single-family rentals, expect to pay anywhere from $800–$2,000/year depending on location, property value, coverage limits, and claims history. We shop 50+ carriers to find you the most competitive rate — and remember, landlord insurance is tax-deductible as a rental property expense.

Yes — landlord insurance premiums are considered a legitimate rental property expense and are fully tax-deductible. You can deduct the full cost of your policy on Schedule E of your federal tax return. This includes your base policy, any endorsements (like umbrella or flood coverage), and even the surcharge for loss of rental income coverage. It's one of the many tax advantages of owning rental property. Always consult your tax professional for advice specific to your situation.