What Landlord Coverage May Include
- ✓ Coverage for the rental structure and related property features.
- ✓ Liability coverage for covered claims tied to the rental property.
- ✓ Coverage for landlord-owned contents such as appliances or furnishings in some situations.
- ✓ Potential protection for lost rental income after covered damage, depending on the policy.
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Why Homeowners Insurance Is Not the Same
A standard homeowners policy is built around owner occupancy. Once a property becomes rental property, coverage needs can change materially.
What Rental Property Owners Should Compare
Dwelling limits, liability protection, optional loss-of-rent coverage, and whether the policy reflects the actual use of the property as a rental are all important comparison points.