Landloard Insurance that is right for you
  • Make sure you have the right coverage
  • Check if you can save $100’s on existing policy
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Why Landlord Insurance?

Home and Landlord Insurance Are Not the Same

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Meet our insurance partner, Obie. Obie has reinvented the rental property insurance process to get you the right coverage at the right price. Whether you’re a seasoned investor or just starting, get a quote in minutes.

Simple and Fast

Our simple process will match you with the right insurance for your rental in minutes.


Get the coverage you need to protect your investment, and save some money for your future investments.


Our whole process is online and straightforward. Just answer a few property questions and we’ll get you covered.

How It Works: Get a Quote in Minutes
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  • Answer 8-10 questions
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  • If you find savings, you can pay and bind policy with a few clicks

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Your Rental Property, Covered

From single family rentals to 100+ units, we can cover you without the back-and-forth time between brokers. Save time, save money, with our exclusive partner Obie Logo

In two minutes or less, you can move through our questionnaire and get a quote customized to your property.
  • Single Family
  • Multi-family
  • Apartment
  • Condo Units
  • Mobile
  • Airbnb
If Landlord does NOT LIVE IN THE RENTAL PROPERTY, keeping Homeowners (HO3) Insurance is Very Risky
Coverage Homeowners Insurance
General Liability
Personal Property
Loss of Rent
Other Structures
True 1
False 2
Medical Payments
False N/A 3

1. Other Structures: Covers other buildings on the property not attached to the main structure

2. Other structures: May require an endorsement or add-on, Covers other buildings on the property 
not attached to the main structure.

3. Medical payments: Covers guests’ medical bills if they are injured on the property.

Frequently Asked Questions
What is landlord insurance?

Landlord insurance, also called rental property insurance, covers risks associated with renting your home, apartment, or condominium to tenants for long periods of time. Coverage typically includes loss of rental income for landlords along with property damage and liability costs. A landlord insurance policy is often recommended for homeowners who rent a property for any amount of time.

You may see landlord insurance also referred to as a DP3 (Dwelling Fire Policy).

Why do I need landlord insurance?

Landlord insurance protects you and your property from damage, such as a fire or hail, similar to the homeowners insurance policy you’re familiar with. If you are renting a property and you have regular homeowners insurance, most likely damages will not be covered.

However, landlord insurance is even more important because you’re not living in the home anymore. Your homeowner’s policy may not protect you from damages that occur at your property while it’s being rented out. And your homeowner’s insurance will not cover your loss of rent in the case that your property becomes uninhabitable for short periods of time.

What does landlord insurance protect?

Landlord insurance is usually broken down into two parts — property coverage and liability coverage.

Property coverage protects the physical structure of the home. This would be your walls, roof, flooring, and other physical features of the property.

Liability coverage protects you against bodily injury or other accidents that may occur on the property, or other claims made against you as a homeowner.

‍Why can’t I keep my homeowner’s insurance policy?

A homeowners insurance policy and a landlord policy are similar in that they cover the physical structure of the building, but they differ in several important ways.

First, a homeowners policy covers the contents of the property while a landlord policy typically does not. Here, contents refer to personal belongings, clothes, and furniture that you most likely won’t be living at the property with your resident, so you don’t need to pay for coverage. Although if you choose to keep some items on-premise, such as a lawnmower, for your tenants to use, a landlord policy can cover that.

A landlord policy also includes important coverages like loss of rent, which protects your rental income.

Does the mortgage company require me to have insurance?

Yes. All mortgage companies or lenders will require that you have a landlord insurance policy on the property, even if you previously had a homeowners policy on the property.

Is landlord insurance more expensive than a homeowners insurance policy?

Sometimes it can be, but it all depends on the property. Insurance carriers typically price these policies a little higher because you’re not living in the home and would potentially catch issues before they turn into larger problems.

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