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Home Insurance Home and Property Insurance Landlords Insurance

Landlords Insurance

Kitchen inside of a house.
Let's protect your investment.

Whether you host short stays or rent to long-term tenants, a local Alfa® agent can help you get the right coverage.



Insurance coverage for rental properties,
however you rent.



Long-term rentals

Coverage is available for landlords renting houses, apartments, condos, duplexes, and other residences to tenants for extended periods of time.

Short-term rentals

Coverage is available for vacation homes and other properties rented to guests for short stays or a limited number of days each year.



What can Landlords Insurance cover?

 

Rental property insurance can help protect your property and financial interests as an owner. Available coverage options may include:

Dwelling

Dwelling coverage can help pay to repair or rebuild the insured rental property and attached structures after a covered loss.

Other structures

Other structures coverage can help pay for damage to qualifying detached structures on the property, such as a garage, fence, or shed.

Personal property

Personal property coverage can help repair or replace covered furnishings, equipment, and other property provided with or used to maintain the rental.

Loss of rental income

Loss of rental income coverage can help replace lost rental income if a covered loss makes the rental property uninhabitable.

Liability & medical payments

Liability and medical payments coverage may help protect you financially from certain injuries or property damage related to the rental property.


What insurance do I need for my rental property?

 

Depending on the property, how it’s rented, and your specific coverage needs, protection may be available through a Tenant Homeowners or Commercial policy.

Your local Alfa agent can review your situation and determine the appropriate coverage options.


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Own a rental? Protect it with Alfa.

Connect with your local Alfa agent to review your coverage options and get a personalized quote for your rental property.



Landlords Insurance FAQs

A standard homeowners policy likely does not provide coverage for rental activity. Rental use may be added to a homeowners policy through an endorsement. Depending on how the property is rented, you may need an entirely different policy. Review your coverage with your insurance company before renting your property, since how it’s used can affect your coverage.

Insurance requirements for rental properties depend on your situation. For example, mortgage lenders may require coverage on financed properties. Even if coverage isn’t required, insurance can help protect you from the risks that come with renting your property to others.

Some rental apps or home-sharing companies provide coverage for property owners. This coverage is generally limited and likely does not cover certain risks related to your property or hosting activity. Review both the rental or home-sharing company’s protection and your own insurance before renting. Talk to an Alfa agent to identify coverage gaps.


*Some exclusions apply. All coverages are subject to deductibles and policy limits. This is not an insurance policy. It is intended only to provide a general description of Alfa Insurance® and/or its product lines and services. An actual policy contains the specific details of the coverages, conditions and exclusions. Your Alfa® agent can explain the policy and benefits and answer any questions you may have before you buy.

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