What's Covered
Building Property Protection
If your rental is damaged by a covered loss
Coverage can help repair or rebuild the structure after incidents like fire, storms, or vandalism
Loss of Rental Income Coverage
If damage forces a tenant to move out temporarily
Loss of rental income coverage can help replace missed rent while repairs are underway.
Premises Liability Coverage
If a tenant or guest is injured on the property
Liability coverage can help with legal costs and medical claims if you’re held responsible.
Tenant Vandalism Protection
If a tenant causes unexpected damage
Certain types of tenant-related damage, such as vandalism, may be covered depending on the policy.
Landlord Liability Protection
If you’re sued over a rental-related incident
Liability protection can help cover legal defense and settlements, subject to policy limits.
Building Property Protection
If your rental is damaged by a covered loss
Coverage can help repair or rebuild the structure after incidents like fire, storms, or vandalism
Loss of Rental Income Coverage
If damage forces a tenant to move out temporarily
Loss of rental income coverage can help replace missed rent while repairs are underway.
Premises Liability Coverage
If a tenant or guest is injured on the property
Liability coverage can help with legal costs and medical claims if you’re held responsible.
Tenant Vandalism Protection
If a tenant causes unexpected damage
Certain types of tenant-related damage, such as vandalism, may be covered depending on the policy.
Landlord Liability Protection
If you’re sued over a rental-related incident
Liability protection can help cover legal defense and settlements, subject to policy limits.
Who's Covered
Long-Term or Short-Term Rental Owners
Landlords renting to long-term tenants or offering furnished, short-term, or seasonal rentals.
First-Time Landlords
Homeowners renting out a former primary residence or investment property for the first time.
Multi-Property Landlords
Owners with multiple rental units who need consistent protection across their portfolio.
Individual Property Owners
Anyone who owns and rents out a single-family home, condo, or small residential property.
Real-Life Scenarios
A tenant gets injured on the property
A tenant slips on an icy walkway outside the building and is injured. Liability coverage can help cover medical expenses and legal costs if you’re held responsible.
Coverage Applied:
Liability Coverage
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You lose rental income during repairs
A burst pipe causes water damage that makes the unit unlivable for several weeks. While repairs are underway, loss of rental income coverage helps replace the rent you would have collected.
Coverage Applied:
Loss of Rental Income
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A fire causes damage between tenants
A small kitchen fire breaks out after a tenant moves out, damaging cabinets and appliances. Landlord insurance helps cover repairs to the structure so you can get the unit ready to rent again.
Coverage Applied:
Property Coverage
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Landlord Insurance
Coverage for rental property owners, protecting your property and rental income.
Real-Life Scenarios
See how auto insurance protects you in real-world situations
You rear-end another vehicle during rush hour traffic. Your auto insurance covers the damage to the other vehicle, medical expenses for injured passengers, and repairs to your own car.
Coverage Applied:
A sudden hailstorm damages your car while parked. Comprehensive coverage pays for the repairs to your vehicle's body and windshield.
Coverage Applied:
An uninsured driver runs a red light and hits your car. Your uninsured motorist coverage pays for your medical bills and vehicle repairs.