{"id":8299,"date":"2025-01-19T16:34:51","date_gmt":"2025-01-19T22:34:51","guid":{"rendered":"https:\/\/www.blockadvisors.com\/resource-center\/?p=8299"},"modified":"2025-01-19T16:34:52","modified_gmt":"2025-01-19T22:34:52","slug":"rental-property-insurance","status":"publish","type":"post","link":"https:\/\/www.blockadvisors.com\/resource-center\/manage-your-business\/rental-property-insurance\/","title":{"rendered":"Landlord Insurance: Rental Property Insurance Coverage Types and Why it is Needed"},"content":{"rendered":"\n<p>Whether you rent out several properties to long-term renters or rent a spare room to earn income, renting a property can be lucrative. But it also comes with new challenges and responsibilities, like paying <a href=\"https:\/\/www.blockadvisors.com\/resource-center\/tax-prep-and-planning\/3-tax-concepts-landlords-need-to-know\/\">rental taxes<\/a> and safeguarding your investment with landlord insurance.<\/p>\n\n\n\n<p>Insurance is a key consideration for rental property owners who rent out any dwelling space. Renting out property without the proper insurance coverage could lead to financial vulnerability. Keep reading to learn about landlord insurance, what it covers, and who needs it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-landlord-insurance\">What is landlord insurance?<\/h2>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"536\" src=\"https:\/\/www.blockadvisors.com\/resource-center\/wp-content\/uploads\/2025\/01\/Rental-Property-Insurance-1024x536.jpg\" alt=\"single family home rental property that could need landlord insurance\" class=\"wp-image-8301\" style=\"width:250px\" srcset=\"https:\/\/www.blockadvisors.com\/resource-center\/wp-content\/uploads\/2025\/01\/Rental-Property-Insurance-1024x536.jpg 1024w, https:\/\/www.blockadvisors.com\/resource-center\/wp-content\/uploads\/2025\/01\/Rental-Property-Insurance-300x157.jpg 300w, https:\/\/www.blockadvisors.com\/resource-center\/wp-content\/uploads\/2025\/01\/Rental-Property-Insurance-768x402.jpg 768w, https:\/\/www.blockadvisors.com\/resource-center\/wp-content\/uploads\/2025\/01\/Rental-Property-Insurance.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p>Landlord insurance, also called rental property insurance or rental home insurance, covers the risks associated with renting out your property to tenants. This type of insurance is designed to protect the property owner and landlord. This type of rental home insurance will provide certain protections if your property is damaged or if someone is injured on your property. Some policies may even cover the loss of rental income. We\u2019ll dive into the specific landlord insurance coverage types later in this post. If you&#8217;re <a href=\"https:\/\/www.blockadvisors.com\/resource-center\/manage-your-business\/real-estate-investment\/\">investing in real estate<\/a> with the intention of becoming a landlord, read on! <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-is-landlord-insurance-required\">Is landlord insurance required?<\/h2>\n\n\n\n<p>States don\u2019t require rental property insurance, but it\u2019s generally recommended. If you work with a lender to finance the purchase of your rental property, they could require it as a condition of your mortgage. Whether you want landlord insurance may also depend on how often you rent your space and how long tenants stay in the property.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Long-term rentals:<\/strong> If you rent out your property for more extended periods of time, like several months or years, this insurance can offer valuable protection from potential financial losses.<\/li>\n\n\n\n<li><strong>Short-term rentals:<\/strong> If you regularly rent your property as a short-term rental to different renters on a platform like <a href=\"https:\/\/www.blockadvisors.com\/resource-center\/manage-your-business\/short-term-rentals\/\">Airbnb or VRBO<\/a>, your revenue-generating activity may be considered a business by the Internal Revenue Service (IRS). In this case, traditional renters or homeowners insurance may not suffice. You could also consider home-sharing insurance.<\/li>\n\n\n\n<li><strong>Occasional short-term rentals:<\/strong> There are some cases where homeowners insurance may be sufficient. If you only list your home on vacation rental sites for a few weekends per year, your homeowner&#8217;s insurance policy may provide enough coverage for the rental property. Read the details of your policy closely to ensure you understand whether or not you&#8217;re covered.<\/li>\n<\/ul>\n\n\n\n<p>The bottom line is it&#8217;s worth the time to check with your insurance agent to confirm that you&#8217;re covered for the ways you are using your rental.<\/p>\n\n\n\n<div class=\"wp-block-create-block-hrb-large-article-cta\" class=\"wp-block-create-block-hrb-large-article-cta\" style=\"background-color:#005d1f\"><div class=\"hrb-large-article-cta--image\" style=\"background-image:url(&quot;https:\/\/www.hrblock.com\/tax-center\/wp-content\/themes\/hrb_tic\/img\/on-laptop-at-desk-graphic.png&quot;);background-size:contain;background-position:center;background-repeat:no-repeat\"><\/div><div class=\"hrb-large-article-cta--copy #ffffff\"><h3 class=\"main-heading\">Small business taxes made easy<\/h3><p class=\"main-copy\">File your small business taxes with confidence<\/p><div class=\"quick-links-list\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.blockadvisors.com\/small-business-tax-preparation\/\">Get started<\/a><\/div>\n<\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-does-landlord-insurance-cover\">What does landlord insurance cover?<\/h2>\n\n\n\n<p>So, exactly what does landlord insurance usually cover? When you purchase a standard landlord insurance policy, you generally get a broad range of coverage. Each coverage type will likely be subject to an individual deductible. Here\u2019s a breakdown of the coverage types typically included:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Type of coverage<\/strong><\/td><td><strong>What it covers<\/strong><\/td><\/tr><tr><td><strong>Dwelling coverage<\/strong><\/td><td>This coverage often protects you financially against damage to the structure caused by problems like fire, wind, hail, and lightning.<\/td><\/tr><tr><td><strong>Liability coverage<\/strong><\/td><td>Liability protection covers you financially if you\u2019re found legally liable for someone else\u2019s medical bills or property damage related to the rental property. It also usually covers your legal defense if sued.<br>For example, if a tenant gets injured on the property and tries to sue you, this part of your insurance will likely cover you.<\/td><\/tr><tr><td><strong>Personal property<\/strong><\/td><td>This coverage is sometimes seen as less important. However, if you rent your property furnished or leave any personal property that tenants can use (like lawnmowers or appliances), it can be covered by personal property coverage.<\/td><\/tr><tr><td><strong>Loss of rental income<\/strong><\/td><td>Loss of rental income or loss of use coverage covers missed rent payments if your rental property becomes unusable due to a problem listed in your policy, like a fire.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Like most insurance policies, landlord insurance is customizable to fit your specific insurance needs. Here are some common, optional rental property insurance coverages you can consider adding to your policy:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Building codes<\/li>\n\n\n\n<li>Burglary<\/li>\n\n\n\n<li>Personal injury<\/li>\n\n\n\n<li>Property under construction<\/li>\n\n\n\n<li>Vacant property endorsement<\/li>\n\n\n\n<li>Vandalism<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-rental-home-insurance-doesn-t-cover\">What rental home insurance doesn\u2019t cover<\/h2>\n\n\n\n<p>Certain expenses are not usually covered by a landlord insurance policy. Coverages often not included:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Acts of war<\/li>\n\n\n\n<li>Asbestos removal<\/li>\n\n\n\n<li>Earthquakes and floods (these disasters tend to require separate policies)<\/li>\n\n\n\n<li>Erosion, mudslides, or other natural disasters<\/li>\n\n\n\n<li>Neglect<\/li>\n\n\n\n<li>Routine maintenance or equipment failure<\/li>\n\n\n\n<li>Shared property<\/li>\n\n\n\n<li>Tenants&#8217; personal property<\/li>\n\n\n\n<li>Volcanic activity<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-landlord-insurance-vs-renters-insurance\">Landlord insurance vs renters insurance<\/h2>\n\n\n\n<p>As a landlord or property owner, differentiating the different types of insurance can be confusing, especially regarding rental property insurance vs renters insurance.<\/p>\n\n\n\n<p>Landlord insurance covers the property owner and the physical structure. Renters insurance, otherwise known as rental insurance, is for the tenant and covers their belongings. You and your renters will have your own separate policies.<\/p>\n\n\n\n<div class=\"wp-block-create-block-hrb-large-article-cta\" class=\"wp-block-create-block-hrb-large-article-cta\" style=\"background-color:#005d1f\"><div class=\"hrb-large-article-cta--image\" style=\"background-image:url(&quot;https:\/\/www.blockadvisors.com\/resource-center\/wp-content\/uploads\/2022\/04\/block-advisors-endorsement-logo-1_white.png&quot;);background-size:contain;background-position:center;background-repeat:no-repeat\"><\/div><div class=\"hrb-large-article-cta--copy #ffffff\"><h3 class=\"main-heading\">Small business taxes made easy<\/h3><p class=\"main-copy\">File your small business taxes with confidence<\/p><div class=\"quick-links-list\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.blockadvisors.com\/small-business-tax-preparation\/\">Get started<\/a><\/div>\n<\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-landlord-insurance-vs-homeowners-insurance\">Landlord insurance vs homeowners insurance<\/h2>\n\n\n\n<p>Landlord and homeowners\u2019 insurance both offer dwelling and liability coverage. However, landlord insurance provides additional coverage that landlords might need, such as loss of rental income and other add-ons.<\/p>\n\n\n\n<p>Where they differ is the insurer type: Landlord insurance is for property owners who rent out their property, and homeowners insurance is for homeowners. In addition, insurance for landlords typically costs more than homeowners\u2019 insurance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-cost-of-landlord-insurance\">Cost of landlord insurance<\/h2>\n\n\n\n<p>Like most insurance quotes, landlord insurance quotes will depend on several factors. We recommend shopping around and comparing quotes before making a final decision. Premiums are adjusted to match the increased risk renters bring. This is one reason why landlord insurance tends to cost more than homeowners insurance. Other factors that influence the cost of insurance include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Deductible<\/li>\n\n\n\n<li>Discounts<\/li>\n\n\n\n<li>Location<\/li>\n\n\n\n<li>The cost to rebuild the property<\/li>\n\n\n\n<li>Your insurance company<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-more-help-with-your-property-business-needs\">More help with your property business needs<\/h2>\n\n\n\n<p>Insurance for landlords managing rental properties can add up. But having contingencies to protect your interests as a landlord is wise. Landlord insurance protects you from costly damages and safeguards your rental property investment.<\/p>\n\n\n\n<p>Owning properties comes with many rewarding challenges and responsibilities before adding landlord insurance to the list.<\/p>\n\n\n\n<p>While Block Advisors doesn\u2019t offer insurance, we can help you offload other important tasks. Our experts can be your go-to for small business needs, from <a href=\"https:\/\/www.blockadvisors.com\/small-business-bookkeeping-services\/\">bookkeeping services<\/a> and <a href=\"https:\/\/www.blockadvisors.com\/small-business-payroll-services\/\">payroll<\/a> to <a href=\"https:\/\/www.blockadvisors.com\/small-business-tax-preparation\/\">small business tax preparation<\/a>.<\/p>\n\n\n\n<p>Speak with a <a href=\"https:\/\/www.blockadvisors.com\/find-a-pro\/\">certified small business pro<\/a> today.<font _mstmutation=\"1\"><\/font><font _mstmutation=\"1\"><\/font><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><a href=\"https:\/\/www.blockadvisors.com\/\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"256\" src=\"https:\/\/www.blockadvisors.com\/resource-center\/wp-content\/uploads\/2021\/02\/image-1024x256.png\" alt=\"Block Advisors Logo - &quot;Built by H&amp;R Block&quot;\" class=\"wp-image-8257\" style=\"width:300px\"\/><\/a><\/figure>\n<\/div>\n\n\n<p><font _mstmutation=\"1\"><\/font><em>This article is for informational purposes only. The content may not constitute the most up-to-date information and should not be construed as legal advice.&nbsp;<\/em><\/p>\n\n\n\n<p><font _mstmutation=\"1\"><\/font><\/p>\n\n\n\n<p><font _mstmutation=\"1\"><\/font><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Whether you rent out several properties to long-term renters or rent a spare room to earn income, renting a property\u2026<\/p>\n","protected":false},"author":1,"featured_media":8300,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"footnotes":""},"categories":[1237],"tags":[],"class_list":["post-8299","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-manage-your-business"],"acf":[],"yoast_head":"<title>Rental Property Landlord Insurance Guide | Block Advisors<\/title>\n<meta name=\"description\" content=\"Set yourself up for success with Block Advisors\u2019 guide to landlord insurance. 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