The rental structure
Protection for eligible damage to the insured dwelling or building.
Landlord insurance
Landlord insurance for the way a rental property is occupied and used.
Long-term rentals, short-term rentals, vacancy, renovation, and seasonal use do not create the same insurance questions. Start with the property address and how it is being used now.
Landlord quote start
What is happening with the rental property?
A new purchase, tenant change, vacancy, renovation, renewal, or change in rental use is enough to start the right conversation.
How the property is used matters
Occupancy changes the insurance options, not an afterthought.
Tell us whether the property is rented long term, used short term, vacant, under renovation, seasonal, or changing use. That distinction helps avoid starting in the wrong market.
Landlord protection
Review protection for the building, landlord-owned property, liability, and potential loss of rental income.
Landlord-owned property
Certain appliances, furnishings, or equipment owned for the rental, depending on the policy.
Liability and lost rent
Liability protection and eligible rental-income considerations after a covered loss.
Rental-property details
Start with property use, condition, coverage history, and timing.
- Property useLong-term rental, short-term rental, vacant, renovation, seasonal, or another occupancy.
- Property detailsAddress, number of units, construction, updates, and current condition.
- Coverage historyCurrent insurance, prior claims, and when the new policy is needed.
Related coverage
Landlord and property markets
We review rental-property markets that fit the occupancy and property.
Market access varies by state, product, risk details, eligibility, and underwriting. A listed company is not a promise of a quote, price, placement, or coverage.
Landlord-specific underwriting inputs
Unit count, tenant occupancy, and rental use separate landlord policies from an owner-occupied homeowners quote.
Rental use
Long-term, short-term, vacant, or renovation occupancy is a landlord underwriting axis — not a personal auto question.
Loss of rents
Whether rental income needs protection after a covered loss is a landlord concern that does not appear on a standard homeowners checklist.
Unit & tenant profile
Number of units and how the property is leased change landlord market access more than dwelling cosmetics alone.
Landlord insurance questions
Questions rental-property owners ask us most.
Can you compare landlord insurance prices from more than one market?
Yes. Available options depend on the property, location, occupancy, rental arrangement, insurance history, and carrier eligibility.
Can you quote a short-term rental, vacant property, or renovation?
Potentially. Tell us exactly how the property is being used so we can look at the markets designed for that situation.
What information do you need to start a landlord quote?
The property address, number of units, rental type, occupancy, purchase or renewal date, and current policy information if available are enough to begin.
Start your landlord quote