Landlord Insurance
Protecting Your Rental Investment
Whether you rent out one house in Tuscaloosa or manage a portfolio across Several States, a landlord (dwelling fire) policy protects the property, your rental income, and you — because homeowners insurance does not cover tenant-occupied property. We work with landlord specialists like Steadily and Foremost alongside standard markets.
What Landlord Insurance May Cover
- Dwelling — the structure, against fire, wind, hail, and other covered perils
- Other structures — garages, sheds, fences
- Landlord's personal property — appliances and furnishings you provide
- Loss of rents — rental income while a covered loss makes the home unlivable
- Premises liability — tenant or guest injuries alleged to result from property conditions
Smart Moves for Landlords
- Require renters insurance in your leases — it's cheap for tenants and keeps their losses off your policy
- Insure to replacement cost, not market value or loan balance
- Tell us about vacancies, renovations, and short-term rental use — each changes what policy form you need
FAQ
Homeowners policies exclude or restrict coverage once the home is tenant-occupied. After a loss, that "savings" becomes a denied claim. A dwelling fire/landlord policy is priced for rentals and covers loss of rents.
No — that's what renters insurance is for. Requiring it in your lease protects tenants and reduces disputes after fires or water losses.
No. Loss of rents applies when a covered physical loss (like a fire) makes the unit unlivable. Non-payment is a lease enforcement issue, though rent guarantee products exist — ask if interested.
Yes. We can schedule multiple properties, work with LLC and trust ownership structures, and consolidate renewals so your portfolio is manageable.
Short-term rental use requires different coverage — standard landlord policies often exclude it. Tell us how the property is used and we'll place it on the right form.
Vacancy beyond 30-60 days typically restricts coverage. Vacant property policies exist for homes between tenants or under renovation — let us know before the gap, not after the loss.
