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Landlord insurance quotes

See how much you could save on landlord insurance!

Call us at 844-237-5603 to start your landlord quote.

What is landlord insurance?

Landlord insurance, sometimes referred to as investment property insurance or rental insurance, helps protect your rental properties in the case of a covered loss. In general, landlord insurance helps cover the structure(s) and property used for maintenance.

What does landlord insurance cover?

  • Your property itself
  • Damage or injury that occurs on your rental property
  • Loss of rent

Is landlord insurance the same as home insurance?

No, landlord insurance and home insurance are different. Landlord insurance is specifically designed for the needs of someone who is renting a property long-term. In addition to protecting the “dwelling” (or structure) of a property, it also covers loss of rent, accidental damage caused by tenants, and other situations when the landlord may be held liable for damages or injury.

Save money with these landlord insurance discounts

Start your landlord insurance quote to see how much you can save.
Landlord Insurance | Get a Free Quote | Liberty Mutual

Multi Policy Discount

Save when you insure your home and rental property.1
Landlord Insurance | Get a Free Quote | Liberty Mutual

Claims-Free

If you haven't filed a claim with your previous insurance carrier for 5 years or more, you can save.2
Landlord Insurance | Get a Free Quote | Liberty Mutual

Paperless Discount

Discount applies when customer chooses to receive documents electronically.1

How to compare landlord insurance companies

When comparing landlord insurance quotes, you may see a lot of similarities. That goes for if you're looking for the best landlord insurance or the cheapest landlord insurance. That's because there are common coverages most policies have like
  • Personal Property Coverage (for your belongings in the rental, not your tenants')
  • Premises Liability and Medical Payments to Others
  • Dwelling (property damage to your rental property)
  • Wind/Hail
  • Hurricane Damage

Tips for comparing landlord insurance quotes

  • Compare coverages and make sure the options meet your needs
  • Choose the same deductibles because they can affect your quote prices
  • Optional coverages can affect your price like Water Backup Coverage (not always available)
When comparing landlord insurance, you should also think about how easy it is to deal with the company. At Liberty Mutual we make landlord insurance easy. Our fast and easy quotes let you customize your landlord coverages so you only pay for what you need. Last but not least, you should also consider the insurance company's reputation. At Liberty Mutual, we believe progress happens when people feel secure — and that goes beyond insurance.

How much is landlord insurance?

With Liberty Mutual, the cost of your landlord insurance is customizable, so you only pay for what you need. Things that will typically impact the cost of landlord insurance include

  • The location and surrounding environment
  • The type of weather your state experiences
  • The age of the building and systems
  • Prior claims
Generally, the less risk you have the lower your price may be. It all depends on your needs. Keep in mind that you can lower the cost of your premium by increasing your deductible.

Does landlord insurance cover tenant damage?

If the damage is caused accidentally, the landlord may be covered. For example, if a tenant has a fire in their kitchen, the property would likely be covered.

Consider requiring your tenants to have renters insurance. Policies are affordable and easy to get online.

Understand your landlord coverage options

Coverage
Real life example
Standard
Add-on
Dwelling
Your property suffers a total loss from damage. This coverage will take care of repairs.
Landlord Insurance | Get a Free Quote | Liberty Mutual
Premises Liability Coverage3
A maintenance worker slips and injures himself on your property. You'll be covered for any legal action the person may take against you.
Landlord Insurance | Get a Free Quote | Liberty Mutual
Wind/Hail
A bad hail storm causes damage to the windows of your rental property. This will help you get them repaired.
Landlord Insurance | Get a Free Quote | Liberty Mutual
Fair Rental Value4
One of your units suffers fire damage and you're unable to rent it. This will cover the lost rent while repairs take place.
Landlord Insurance | Get a Free Quote | Liberty Mutual
Inflation Protection3
A rise in inflation causes contracting repair costs to also rise. This keeps pace with inflation, so you're covered for a total loss.
Landlord Insurance | Get a Free Quote | Liberty Mutual

Get started creating your custom mobile home insurance quote by calling us at 844-237-5603

Looking for some advice? We can help.

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Landlord insurance frequently asked questions

1Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
2Subject to eligibility requirements, and may vary by state. In some states, weather-related claims are not considered qualified claims in determining eligibility for this discount.
3Qualifications and conditions apply. Eligibility may vary by state.
4Availability varies by state. Terms and conditions apply.