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Rental Property Insurance 
Landlords Love and Trust

Affordable Rates

Check if you can save $100’s on your existing properties. We offer industry-best rates for the coverage that is right for you as a landlord.

The Right Coverage

Reduce your risk and relax knowing that your landlord insurance will offer you protection against the unexpected.

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How it works

simple, affordable, and transparent

Save time

Simply provide your email and answer a few property questions to get started. Forget about confusing paper applications or having to speak to someone 
on the phone.

Save money

Our simple quote request process will match you with 
the right insurance for your rental. Saving you up to 25% 
on your existing policy.

Gain peace of mind

Reduce your risk and increase financial security knowing you have the right coverage for your property!

A Better Option

Coverage Homeowners Insurance
Building
True
False
General Liability
True
False
Personal Property

N/A

False
Loss of Rent
True
False
Other Structures
True 1
False 2
Medical Payments

N/A 3

False

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

2 Other structures: 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.

Insurance Landlords Love and Trust

“No phone calls or lengthy application needed. I submitted my quote online and and had better coverage for a fraction on the cost in a matter of minutes.”

Alex A. San Francisco, CA

“As a new landlord just starting out, I was recommended baselane and Obie for my property insurance needs. They made the process incredibly easy and now have peace of mind that my property is covered.”

Frank G. Philadelphia, PA

“This is easily the the best quote I have received. I get everything I need and want covered at an extremely attractive rate. The best part…it only took me 5-minutes!”

Erica K. Charlotte, NC

Frequently Asked Questions

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).
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.
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.
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.

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.

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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