Find Affordable Coverage for Your Homes and Rentals

What It Covers

Landlord insurance protects your rental property against damage from events like fire or storms and provides liability coverage if someone is injured on your property. It helps cover repair costs as well as related medical and legal expenses.

Who It's For

Landlord insurance is designed for property owners who rent out homes or units. It helps protect against property damage, legal liability, and certain financial losses, and can include coverage for rental-related furnishings if selected.

Coverage by Rental Type

• Long-term rentals: Standard coverage for rentals longer than six months
• Occasional short-term rentals: Coverage for vacation or infrequently rented homes
• Frequent short-term rentals: Additional coverage may be required for rentals like Airbnb

What's Not Covered

• Routine maintenance and wear and tear
• Flood damage (separate flood insurance required)
• Owner-occupied or shared properties

Cost & Optional Add-Ons

• Premiums vary based on property details, location, coverage, and claims history
• Optional coverage includes vandalism and theft protection
• Coverage for building code upgrades after damage

Why Do You Need Renters Insurance?

Renters insurance protects your personal belongings and helps cover unexpected costs if something goes wrong. Many landlords require it, and even low-value items can be expensive to replace all at once.

What Does Renters Insurance Cover?

• Liability Coverage: Helps with medical or legal costs if someone is injured in your home or you damage someone else's property.
• Personal Property Protection: Covers loss or damage to belongings from events like fire, theft, or certain water damage.
• Additional Living Expenses: Pays for temporary housing, meals, and related costs if your home becomes unlivable.

Getting Started & Cost

Getting Renters insurance is simple. Estimate the value of your belongings and choose a plan that fits your needs. Renters insurance is generally affordable, with costs based on location, coverage amount, and the value of your items.

Standard Coverages for Mobile Home Insurance

• Dwelling Coverage: Protects the home's structure, including walls, roof, and attached features.
• Personal Property: Covers belongings like furniture and electronics, even off-premises.
• Liability Coverage: Protects you if you're legally responsible for injury or property damage.
• Guest Medical Protection: Pays medical expenses for injured guests.
• Other Structures: Covers detached buildings such as sheds or garages.

Optional Coverages

• Replacement Cost Coverage: Pays full repair or replacement costs without depreciation.
• Identity Theft Protection: Helps cover losses from identity fraud.
• Earthquake & Volcanic Eruption Coverage: Extra protection in high-risk areas.
• Flood Insurance: Separate policy for flood-related damage.
• Trip Collision Coverage: Covers your mobile home during transport.

Do You Need Umbrella Insurance?

Umbrella insurance provides extra liability protection beyond your auto and homeowners policies. It helps safeguard your assets if a claim exceeds existing limits or isn't covered by standard insurance.

What Umbrella Insurance Covers

• Injuries to Others: Covers medical and liability costs if someone is injured.
• Property Damage: Pays for damage to others' property.
• Certain Lawsuits: Protection against claims like libel, slander, or defamation.
• Extended Personal Liability: Covers situations beyond standard policy limits.

What It Does Not Cover

• Your own injuries or property damage
• Criminal or intentional acts
• Business-related losses
• Contractual liabilities