Landlord & rental property insurance

If you own a rental, you need landlord / dwelling coverage built for investment use. That’s different from a primary homeowners policy, different from vacant / unoccupied forms when nobody lives there, and different from renters insurance (which protects the tenant’s belongings and personal liability).

What landlords often need

• Dwelling / building coverage for the rental structure (form and limits vary)
• Landlord liability for injuries on the property
• Loss of rents style benefits on some policies after a covered loss
• Coordination with flood (usually separate — flood page) and wind questions on the Gulf Coast

Vacant vs. rented vs. tenant

• Occupied rental — this page / landlord dwelling conversations
• Empty between tenants or long vacancy — see vacant property
• Tenant’s stuff & tenant liability — they need renters; many leases require proof

What to ask an agent

• Short-term vs. long-term rental use
• Number of units and whether you live on-site
• Prior claims, coastal location, and flood zone questions

Start from the home & property hub or ask about bundling with personal umbrella when it fits.

Educational only — not a quote, coverage guarantee, or legal advice. Availability varies by ZIP, carrier, and underwriting. Talk with a licensed Asshield agent for options that fit.

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