Property Insurance

Long Term Rental Insurance

Long term rental insurance provides crucial protection for property owners, covering risks such as property damage, tenant-caused loss, and liability for residential rental properties.

Coverage Types

01

Property Damage Coverage

Covers repairs or replacement from disasters, vandalism, and tenant-caused damage.

02

Liability Coverage

Medical costs and legal expenses for tenant or visitor injuries on your property.

03

Loss of Rental Income

Compensation if your property becomes uninhabitable due to a covered event.

04

Tenant Default Protection

Protection against unpaid rent or early lease abandonment by tenants.

Who Needs Long Term Rental Insurance?

Long Term Rental Insurance is designed for a variety of individuals and organizations. Find out if this coverage is right for you.

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Residential Landlords

Owners of single or multi-family rental properties.

Multi-Family Unit Owners

Investors with apartment buildings or duplexes.

Property Managers

Professional managers overseeing rental portfolios.

What Affects Your Premium

01

Property value and location

02

Coverage limits and deductibles

03

Tenant type and lease terms

04

Claims history

Frequently Asked Questions

Are tenant damages covered?

Yes, tenant-caused damages are typically covered, excluding normal wear and tear.

How is it different from homeowner's insurance?

Long-term rental insurance is specifically designed for rental properties and covers risks unique to landlords that homeowner's insurance doesn't.

Is loss of rental income included?

Yes, most policies include coverage for lost rental income when your property can't be occupied due to a covered event.

Are tenant belongings covered?

No, tenants need their own renters insurance for personal belongings. Your policy covers the structure and your property.

We compare Long Term Rental rates from leading carriers

ProgressiveTravelersHartfordLiberty MutualSafecoHeritageUniversalNational GeneralNCJUAHagertyHalifax MutualForemostJohnson & JohnsonTower HillSageSureOrion 180OrchidJM WilsonFMCAB

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Our licensed agents will help you find the right long term rental coverage at the best rate. No obligation, no hassle.