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Landlord Insurance

Owners of both owner- and tenant-occupied properties leverage our strong carrier relationships to obtain the best coverage at the lowest possible price. How much will you save?

LANDLORD INSURANCE: A CUT ABOVE

Landlord insurance is specifically designed for rental property investors. Whether you own one rental property or hundreds of rental properties, landlord insurance is a critical component of your risk management and asset protection strategy.

Securing the best coverage at the best price for your rental properties is about understanding core and optional endorsement coverages. At RGIA, our agents will conduct a seamless, comprehensive client needs assessment and audit of your current insurance policy(s) prior to building out a custom quote that best meets your specific coverage needs.

How Much Landlord Insurance Should I Get?

Landlord Insurance will offer comprehensive property and general liability insurance, safeguarding buildings and units against common risks such as water damage, weather damage, and slip-and-fall liability suits.

The right amount of coverage depends on the size of your building, the cost to rebuild or replace it, and how many tenants and structures you have on the property. Furnished or unfurnished, your rental property presents a unique set of risks, and your RGIA agent can help you weigh your needs and your budget to determine the right amount of coverage and which features are the best fit for your real estate portfolio.

Securing A Custom Landlord Insurance Quote Is Easy:

  • Step 1: Client Needs Assessment
  • Step 2: Declarations Audit
  • Step 3: Shop RGIA Carriers
  • Step 4: Secure Best Coverage at Best Price
GET A QUOTE

STANDARD COVERAGES

Here’s a look at some of the coverages provided by a standard landlord insurance policy.

Dwelling

Covers the rental property your tenants live in and other structures attached to it such as a garage, porch or deck.

Other Structures

Covers stand-alone garages, sheds and other buildings that are separate from your rental property.

Liability

Covers you if you’re sued after an accident, damage or loss related to your property. For example, you might have a lawsuit on your hands if your tenant injures himself on broken stairs in your rental.

Fair Rental Income

Helps pay the rental income you would otherwise lose if your rental becomes uninhabitable due to a covered loss and your tenants have to move out. You can keep the money coming in for up to 12 months while the unit is being repaired or rebuilt.

Premises Medical

This type of coverage can help pay for reasonable and necessary medical expenses if a guest is injured in an accident on your rental property.

OPTIONAL COVERAGES

In addition to core coverages, our experts help landlords reassess their risk exposure to optimize their risk mitigation against losses and liability. Taking into consideration optional coverages for even greater protection.

Burglary

In the event of a burglary, this covers costs for any repairs or replacements needed, in addition to belongings used for your rental property.

Vacant Property Insurance

Whether due to tenant transitions or dwelling renovations, your rental property won’t always be occupied. Vacant properties, even temporarily vacant ones, have unique risks and may be more susceptible to vandalism, theft, and other damage. Standard property and business policies might not cover losses if the unit is unoccupied. With vacant property coverage, you’ll have more complete protection against the costs of repairs, liability suits, and more.

Ordinance or Law

This helps cover increased costs related to fixes needed after a covered loss, such as enforcing any building codes, ordinances or laws regulating construction, reconstruction, maintenance, repair or demolition of your rental property.

Rental Property Under Construction

If you’re renovating or building a new rental property, this covers the dwelling before it’s occupied.

Vandalism

Covers costs to repair or replace damaged items if your rental is vandalized, as well as belongings used for the rental property. This coverage only applies if the dwelling has not been vacant or unoccupied for more than 90 consecutive days.

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Consultation And Quote, Today.

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