LANDLORD INSURANCE
PROTECT YOUR PROPERTY.
PROTECT YOUR FUTURE.
Landlord insurance can help protect your rental property, your income, and your finances when the unexpected happens.
PROTECT WHAT MATTERS MOST
Owning rental property comes with different risks than owning a primary residence. Landlord insurance can help protect the property itself, your financial investment, and certain liabilities connected to renting it to others.
Depending on your policy, coverage may help with:
Helps repair or rebuild your rental property after certain covered losses.
May help replace lost rental income if a covered loss makes the property temporarily uninhabitable.
May help cover qualifying damage caused by theft, vandalism, or other covered events.
Helps protect you if you are responsible for certain injuries or property damage.
Some policies may include protection for certain legal costs, debris removal, or other qualifying expenses after a covered loss.
COVERAGE OPTIONS THAT FIT YOUR INVESTMENT
Every rental property is different. Benchmark Insurance can help you explore coverage options based on the property, how it is used, and the level of protection you want.
Dwelling Coverage
Helps protect the structure of your rental property from certain covered losses.
Personal Property Coverage
May help protect appliances, furnishings, equipment, or other property you own and provide for tenant use.
Liability Coverage
Helps protect you financially if you are responsible for certain injuries or property damage.
Loss of Rent Coverage
May help replace rental income if a covered loss makes the property temporarily uninhabitable.
Medical Payments Coverage
May help cover certain medical expenses if someone is injured on the rental property.
Additional Coverage Options
Ask about ordinance or law coverage, equipment breakdown, water backup, umbrella liability, and other available options.
PROTECTION FOR YOUR PROPERTY
AND YOUR INVESTMENT
Landlord insurance can involve different risks than a standard homeowners policy. Benchmark Insurance helps you understand your options so you can choose coverage that makes sense for your rental property.
Here’s what you can expect when you choose us:
Coverage options explained in plain language
Guidance based on your property and rental situation
Help reviewing limits, deductibles, and available options
Personal service without unnecessary pressure
Support when your coverage needs change
Frequently Asked Questions
Is landlord insurance required?
Landlord insurance may not always be required by law, but a mortgage lender may require coverage. It can also provide important protection for risks that a standard homeowners policy may not cover when a property is rented to others.
What does landlord insurance typically cover?
Coverage may include the rental structure, landlord-owned property, liability, loss of rental income, and other covered losses. Exact protection depends on your policy.
Do I need landlord insurance if I only own one rental property?
Even one rental property can create risks that are different from those associated with a primary residence. A landlord policy may be appropriate if the property is regularly rented to tenants.
Does landlord insurance cover tenant damage?
Coverage depends on the type of damage and the policy. Certain sudden or accidental losses may be covered, while routine wear, neglect, or intentional damage may be excluded.
What happens if my rental property is vacant?
Vacant properties can involve different risks and may require special coverage. It is important to let your insurance agent know if the property will be unoccupied for an extended period.
Can I bundle landlord insurance with other policies?
Often, yes. Depending on the carrier, landlord coverage may be combined with home, auto, umbrella, or other policies, which may simplify your insurance and may provide savings.
Contact Benchmark
Let’s Protect What Matters Most to You
Tell us about your rental property, ask a question about your current coverage, or request a personalized quote.
