Dwelling
Coverage may apply to certain covered damage to the rental building according to policy terms and limits.
Landlord Insurance
Protection for the property you rent to others.
A rental property has different insurance needs from a home you occupy yourself. Trinity can help you review landlord insurance options for the building, liability and certain rental-income risks.
Rental Property Protection
Insurance designed around a home
being rented to tenants.
01
Dwelling
Rental property structure
02
Liability
Certain covered claims
03
Rental Income
Certain covered situations
04
Other Structures
When included by the policy
Rental Property Insurance
A rental home is not insured the same way as your own residence.
When a property is occupied by tenants, the owner’s insurance needs can change. A landlord policy is generally centered on the owner’s building, qualifying property, liability and rental-related risks.
The policy should match how the property is occupied and how it is used.
Landlord Coverage
What may a landlord policy include?
Exact coverage depends on the property, carrier, policy form, selected limits and policy terms.
Other Structures
Certain detached structures associated with the rental property may be included when provided by the policy.
Landlord Property
Certain property owned by the landlord and used to service the rental may be addressed by the policy.
Premises Liability
Coverage may address certain covered claims involving injury or property damage connected with the insured property.
Loss of Rental Income
Certain policies may address qualifying lost rental income when a covered loss makes the property uninhabitable.
Additional Options
Other property or liability options may be available depending on the carrier and rental arrangement.
Rental Property
The policy starts with how
the property is owned and occupied.
About the Property
The carrier may ask how the rental is structured.
Property type, occupancy and rental use can affect which policy forms and carrier options are available.
01
Property type
A detached home, townhome or other residential property may have different underwriting details.
02
Occupancy
Carrier requirements may differ based on how the property is occupied.
03
Building information
Age, size, construction and property updates may be part of underwriting.
04
Rental arrangement
How the home is rented may affect available policy choices.
Different Property Use
Homeowners insurance and landlord insurance serve different uses.
Occupying your own residence and renting a property to tenants create different insurance situations.
Homeowners Insurance
A homeowners policy is generally centered on a residence occupied by the insured owner.
Owner-occupied residence
Personal belongings
Personal liability
Landlord Insurance
A landlord policy is generally centered on a residential property rented to others.
Rental dwelling
Landlord-owned property
Rental-property liability
Rental Income
When a covered loss interrupts the rental.
Certain landlord policies may provide coverage for qualifying rental income that is lost because covered property damage prevents tenants from occupying the residence.
The event must fall within the terms of the applicable policy.
Coverage may depend on the property being unfit for occupancy after the loss.
Available rental-income coverage is subject to applicable limits.
The policy determines when and how qualifying coverage applies.
Residential Rental
Protect the property while reviewing
the income tied to keeping it occupied.
Owner & Tenant
Your policy does not replace the tenant’s renters insurance.
A landlord policy generally addresses the property owner’s insurance interests. A tenant’s own furniture, electronics, clothing and personal liability are separate insurance considerations.
Landlord policy
Centered on the rental building and qualifying owner-related property and liability.
Renters policy
Centered on the tenant’s qualifying belongings and personal liability.
Policy Review
Details worth checking before selecting coverage.
Dwelling Limit
Review the amount of property coverage shown for the rental building.
Liability Limit
Review available premises liability limits and policy terms.
Deductibles
Understand which deductible applies to qualifying property losses.
Exclusions
Review exclusions and restrictions contained within the policy.
Getting Started
Start with the property and how it is rented.
Property and rental information helps begin the landlord insurance discussion.
01
Tell us about the property.
Share the address, property type, age and basic building information.
02
Explain the rental use.
Provide information about occupancy and the rental arrangement.
03
Review policy choices.
Discuss available property, liability and rental-income options.
04
Choose your next step.
Review the policy information before selecting the coverage you want.
Landlord FAQ
Common questions.
Policy terms and property eligibility vary by carrier.
Landlord insurance may include coverage for the rental dwelling, qualifying landlord-owned property, premises liability and certain lost rental income after a covered property loss.
A property rented to tenants may require a different policy from an owner-occupied residence. The correct policy depends on how the property is used and carrier rules.
A landlord policy generally does not insure a tenant’s personal belongings. Tenants can consider their own renters insurance for qualifying personal property.
Certain landlord policies may address qualifying rental income lost because a covered property loss makes the residence unfit for occupancy.
Information may include the property address, construction details, occupancy, rental use, building updates, prior coverage and other information requested by the carrier.
Landlord Insurance
Protect the property behind your rental.
Tell Trinity about your rental property and how it is occupied to begin reviewing available landlord insurance options.