Personal Insurance

Landlord Insurance

Renting out a property is a different risk than living in it, and a standard homeowners policy won't cover it correctly. Landlord insurance is built for 1-4 unit residential rental properties.

This page covers 1-4 unit residential rental properties. If you own or manage a 5+ unit residential property, that needs commercial coverage, see our Landlord (5+ Units) page and the guide below on which one applies to you.

What it covers

Dwelling coverage for the rental property itself
Loss of rental income if the property is uninhabitable after a covered loss
Liability protection for injuries that occur on the property
Optional coverage for landlord-owned appliances and equipment

Who it's for

Owners of 1-4 unit residential rental properties, a single rental home, a duplex, or a small multi-family property you manage yourself or through a property manager.

Why Firehouse

We specialize in investment property coverage across a range of portfolio sizes, and if your holdings grow past 4 units, we already know the coverage needs to change, see the note below.

Frequently asked questions

Do I need landlord insurance if I have a mortgage?

Most lenders require it, and even without a mortgage it's essential, a standard homeowners policy typically excludes rental activity entirely.

Does landlord insurance cover my tenant's belongings?

No, that's the tenant's responsibility through their own renters policy, worth requiring as a lease condition.