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Landlord Insurance
Protect your rental property
If you’re renting out your property to someone else, you need a policy designed for landlords.
Landlord insurance coverage options
Homeowners policies only cover owner-occupied homes, so if you’re renting out your property, you need landlord insurance. Most policies include the following types of coverage for landlords:
- Property damage, which protects you from things like fire, natural disasters, equipment malfunction, vandalism, and irresponsible tenants
- Lost rental income, which covers the rent you would have received if your property is uninhabitable due to a covered loss.
- Liability in case a tenant is injured due to a property maintenance issue, like an icy walkway
We work for you
At Alaska USA Insurance Brokers, we work for you, not for the insurance company. Here’s what we do to ensure that you get the coverage that’s right for you.
- Discuss your situation and provide personalized advice
- Help you identify the insurance policies that best meet your needs
- Find you that coverage at the best possible price
Landlord Insurance FAQs
Yes, you do need landlord insurance, even if your tenants have renters insurance. Landlord insurance covers issues with the building, while renters insurance typically insures the tenants’ belongings.
No, most homeowners policies only cover homes that are owner-occupied. If you are renting out your property, you need a policy that’s designed specifically for landlords.
Liability coverage can protect you if there’s an accident or injury at your rental property. For example, if your tenant trips and falls on an icy walkway, that would typically be covered by liability coverage.
No, as with most home insurance policies, normal wear and tear and maintenance costs are not covered under landlord insurance.
Depending on your situation, it might make sense to get additional coverage for floods and earthquakes. Your insurance broker can discuss your options with you and help you decide how much coverage you need.
What our members are saying
“The insurance department is wonderful. They have helped us get the best coverage possible for the best price.”
– dmclay
Our achievements
Progressive Premier Partner Award
Awarded for exceptional knowledge and performance
Umialik Circle of Excellence Award
One of the top agencies for performance, growth, and partnership
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The highest level of recognition, given to only 10% of agencies
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