Landlord Insurance
Protect your rental investments with comprehensive landlord insurance from Insurance Alliance. We cover habitational properties, single-family homes, and multi-family units—helping landlords safeguard income and property across every type of rental.
Why Landlord Insurance
Owning rental property can be a profitable investment—but it also comes with unique risks. From property damage and tenant injuries to lost rental income, a single incident can create major financial setbacks. That’s why landlord insurance is essential for anyone renting out a home, duplex, apartment, or multi-family property. Whether you own a single-family home or manage several habitational properties, landlord insurance helps safeguard both your physical investment and your financial future.
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Landlord insurance—also called rental property insurance—is designed to protect property owners who lease their homes or buildings to tenants. Unlike a standard homeowners policy, which covers owner-occupied homes, landlord insurance addresses the distinct exposures landlords face, such as tenant-caused damage, loss of rental income, and liability claims.
This type of policy typically includes:
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Property coverage for the building itself and sometimes other structures on the property, like garages or fences.
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Liability coverage to protect against lawsuits if a tenant or guest is injured on the property.
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Loss of rental income coverage to help replace income if the property becomes uninhabitable due to a covered claim, like fire or storm damage.
Coverages Offered
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Property Damage Protection
Even the most responsible tenants can’t prevent every accident. Fires, storms, vandalism, and plumbing issues can cause costly damage. Landlord insurance helps cover repair and rebuilding costs, ensuring you’re not left paying out-of-pocket. -
Liability Coverage
If a tenant or visitor is injured on your property and claims you’re responsible—for example, due to a broken stair or icy walkway—you could face a lawsuit. Landlord liability coverage helps pay for legal fees, medical costs, and settlements. -
Income Protection
If your rental becomes unlivable due to fire, storm, or another covered event, your rental income could stop overnight. Loss of rent coverage ensures you still receive income while repairs are made, so your financial stability isn’t jeopardized. -
Tenant-Related Risks
Even with thorough screening, tenant-caused damage or disputes can occur. From broken fixtures to accidental fires, landlord insurance can help mitigate the financial impact. -
Peace of Mind and Long-Term Stability
Landlords who insure properly enjoy peace of mind knowing their assets are secure. Whether you manage one home or multiple multi-family properties, having coverage in place helps you focus on growing your investment, not worrying about what might go wrong.
Coverage for All Property Types
At Insurance Alliance, we specialize in landlord insurance for habitational properties, including single-family homes, duplexes, triplexes, and multi-family apartment buildings. We understand that each property type faces unique exposures—such as tenant turnover, property maintenance, and vacancy concerns—and we tailor policies to fit your needs.
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Protect Your Rental Investment with Insurance Alliance
From minor tenant damage to major disasters, landlord insurance provides a safety net that keeps your rental income flowing and your property protected. At Insurance Alliance, we help landlords across Washington, Idaho, Arizona, Texas, and Florida secure affordable, reliable coverage that meets local requirements and protects against real-world risks.
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Our experienced agents compare options from top-rated insurance carriers to find the right balance of protection and price. Whether you’re a first-time landlord or a seasoned property investor, we’ll help you customize a policy that covers your property, income, and liability—all under one roof.