Landlord Insurance Policy

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What Is Rental Property Insurance?

Rental property insurance is important for both tenants and landlords, but it comes in different policies. Tenants need renters insurance to protect their valuables and belongings. Landlords need Rental Property Protection Plus insurance to protect their properties and what they own inside of them.  
 
For example, as a landlord, if your rental unit is damaged from a storm, rental property insurance can help cover the repair costs. Or if there’s a fire at your rental property and the damages result in a total loss, rental property insurance can help pay for the costs to rebuild the rental unit.
 

Homeowners Insurance for Rental Properties

Landlord Insurance Policy As a landlord, you want to make sure your properties are well-protected. That’s why we offer comprehensive landlord insurance. Our policies offer dwelling coverage to protect your rental unit and structures directly attached to it. This includes flooring, walls and the roof. Policies from us also provide fair rental value coverage. This helps cover the rental value for each portion of your property you rent out if it’s damaged in a covered loss like a fire.
 
Additional coverages you can add to your policy are:
 
  • Other structures coverage to help cover buildings on your property that aren’t attached to your house, such as garages or sheds.
  • Personal property coverage which helps cover your personal belongings inside your buildings like appliances and furniture provided in your units.
  • Medical payments coverage for help paying medical costs for any injury that occurs on your property.
  • Premises liability coverage to help cover you if someone who isn’t a resident gets injured on your property or if you’re found responsible for property damage.

Purchasing Landlord’s Insurance

Without landlord’s insurance, you may be financially responsible for repairs and legal costs if something happens at your rental units. However, you can buy our optional Rental Property Protection Plus policy in addition to your homeowners insurance. This ensures you’re protected if the unexpected happens.
 
For example, if there’s a fire at one of your properties and it causes significant damage, rental property insurance can help you pay for the repairs. Without it, you may have to pay the cost in full, completely out of pocket.
 
Homeowners Insurance for Property Rentals You may also end up responsible for legal fees if someone gets hurt at your rental unit and files a lawsuit. However, having rental property insurance will help you by defending the case in court and covering some of the costs if you’re ordered to pay a settlement, within your limits. You can also add premises liability coverage to your rental property insurance for even more protection.
 
As a landlord, you have so many responsibilities. At The Hartford, we’re here to help give you relief where we can. You’ll find peace of mind having our renters insurance, knowing that with Rental Property Protection Plus you have the coverage you need to keep your investments protected.  
 
To get your quote and add landlord insurance coverage to your homeowners policy, speak with one of our specialists at 888-413-8970.
 
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.

AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.

The AARP Automobile Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MN, by Sentinel Insurance Company; and in MA, MI and PA, by Trumbull Insurance Company. The AARP Homeowners Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, MI and MN, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Hartford Underwriters Insurance Company. Not available in all states, including FL. Specific features, credits and discounts may vary and may not be available in all states in accordance with state filings and applicable law. Applicants are individually underwritten and some may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.

1 In Texas, the Auto Program is underwritten by GEICO Texas County Mutual Insurance Company through Hartford Fire General Agency. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by GEICO Texas County Mutual Insurance Company. The Home Program is underwritten by Trumbull Insurance Company. Effective 10/16/21, the Auto Program is underwritten by Trumbull Insurance Company.

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