Landlord Insurance
Specialized protection for your rental properties and your rental income. Because a standard homeowners policy isn't enough.
Landlord insurance issued by Hoover Insurance NW
Understanding landlord protection
Renting out a property requires a specific type of coverage. Your standard homeowners policy is not equipped to handle the unique liabilities and potential damages associated with tenant-occupied properties. A dedicated landlord policy is essential to safeguard your rental income and physical investment.
| Coverage | Definition | Example |
|---|---|---|
| Property damage | Helps cover the physical structure of your rental property and other structures on the premises (like a shed or garage) against covered perils like fire, wind, hail, or lightning. | A severe storm damages the roof of your rental house. This coverage can help pay for the repairs. |
| Liability protection | Helps cover your legal and medical expenses if a tenant or their guest is injured on your property and you are found legally responsible. | A tenant trips on a broken step you haven't repaired yet and breaks their leg. Liability coverage can help pay their medical bills and your legal fees if they sue. |
| Loss of rental income | Also known as "fair rental value" coverage, this helps replace lost rental income if your property becomes temporarily uninhabitable due to a covered loss. | A fire makes your rental unit unlivable for three months while it's being repaired. This coverage helps replace the rent you would have collected during that time. |
| Landlord's personal property | If you leave personal property at the rental to help service it (like a lawnmower or appliances), this helps cover those items against covered perils. | The refrigerator you provided for the tenants is destroyed in a kitchen fire. This coverage can help replace it. |
Why standard homeowners insurance isn't enough
Homeowners Insurance
- Designed for properties where the owner lives full-time.
- Covers the owner's personal belongings extensively.
- Usually excludes coverage for business activities, including renting to others.
Landlord Insurance
- Designed for properties rented out to others.
- Provides specialized liability protection for landlords.
- Includes loss of rental income coverage if the property becomes uninhabitable.
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