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Landlord Insurance: Protect Your Rental Property
Your rental property is an investment — not just a home. Landlord insurance protects your property, your rental income, and your liability exposure with coverage designed specifically for property owners.
Property damage coverage • Rental income protection • Liability coverage
Landlord Coverage
Rental Income Protected
Property damage & liabilityActive
Part of ourhome insurance coverage options
What Does Landlord Insurance Cover?
A complete auto policy combines several coverage types. Mix and match based on your state requirements, budget, and how you use your vehicle.
Property Damage
Covers the rental property structure — building, roof, walls, and fixed appliances — against fire, storm damage, vandalism, and other covered perils.
Loss of Rental Income
Replaces your rental income when a covered loss makes the property temporarily uninhabitable — covering the rent you would have collected during repairs.
Liability Protection
Pays for legal defense and settlements if a tenant or visitor is injured on the property due to a condition you were responsible for maintaining.
Tenant Damage Coverage
Optional endorsement covering intentional or accidental damage caused by tenants that exceeds the security deposit — a significant risk for long-term landlords.
Legal Protection
Optional coverage that helps pay legal fees associated with tenant disputes, eviction proceedings, and rental contract enforcement.
Detached Structures
Covers garages, sheds, fences, and other structures on the rental property, typically at a percentage of the main dwelling coverage limit.
Why VKOVR for Landlord Insurance?
Homeowners Policies Do Not Cover Rentals
If you rent out a property covered by a standard homeowners policy, you may have no coverage at all. VKOVR ensures every rental property has the correct policy type in place.
Multi-Property Portfolio Coverage
Own multiple rentals? VKOVR works with carriers that offer portfolio policies for landlords with multiple properties, often at better rates than individual property policies.
Right-Sized Liability Limits
Slip-and-fall claims and tenant injury lawsuits can result in judgments well above basic liability limits. VKOVR recommends appropriate limits for your rental exposure.
Vacancy and Seasonal Rental Considerations
Vacant properties and short-term rentals carry different risk profiles than long-term occupied rentals. VKOVR identifies carriers and policy structures suited to your specific situation.
Getting the Right Landlord Coverage
Step 1
Tell Us About Your Rental Property
Share the property type, location, estimated value, rental status, and your current coverage. Takes about 2 minutes.
Step 2
Get Landlord Coverage Options
We compare landlord insurance carriers and surface the property damage, liability, and rental income coverage that fits your investment.
Step 3
Review with a Licensed Advisor
A VKOVR advisor walks through your coverage options, explains optional add-ons, and helps you determine appropriate liability limits.
Step 4
Protect Your Investment
Activate your landlord insurance and protect your rental property, your rental income, and your personal assets from tenant-related claims.
Explore Other Home Insurance Options
Landlord insurance protects your rental investment. Explore related coverage types.
Landlord Insurance by State
Landlord insurance rates and coverage requirements vary by state. Select your state.
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming
Landlord Insurance FAQ
Homeowners insurance is designed for owner-occupied properties. Landlord insurance (also called rental property insurance or dwelling fire policy) is designed for properties rented to others. Key differences: landlord policies include loss of rental income coverage, may include tenant damage coverage, and set liability limits appropriate for occupied rental property. Using a homeowners policy on a rental property may void your coverage entirely.
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Real feedback from customers nationwide
David R.
Business Owner
Our small business got liability coverage without the usual runaround. Clear options and fast follow-up.
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Maria K.
Multi-line Customer
Great experience from start to finish. I bundled my home and auto and saved significantly.
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James L.
Home Insurance Customer
Finally, an insurance platform that speaks my language. The team was responsive and helpful.
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Auto Insurance Customer
VKOVR made finding the right auto coverage simple. I had a quote in under 10 minutes.
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