Landlord insurance for the way you rent.
Review property and liability for one-to-four-unit rentals. Disclose annual leases, short-term stays and other uses so underwriting can confirm eligibility and terms.
Coverage for your rental home.
The building
Protection for the rental building after a covered loss, with valuation and deductibles set out in your quote.
Your furnishings
Coverage for the furniture and contents you provide with the rental.
Rental income
Lost rental income following a covered loss that interrupts use of the property.
Guest and tenant liability
Protection for covered third-party injury and property-damage claims.
Coverage is subject to policy terms, exclusions, deductibles and underwriting. Your quote confirms the coverage available for your property.
| Input | Bring to the review | Why it matters |
|---|---|---|
| Occupancy | Annual leases, short-term stays, direct bookings, vacancy and owner use. | Use and eligibility need underwriting confirmation; a booking platform is a separate arrangement. |
| Building | Address, unit count, construction, roof, year built and replacement value. | Confirm the insured property, valuation and deductibles. |
| Income and losses | Rental income records, current policy and loss history. | Review covered interruption triggers, exclusions and requested loss information. |
| Next step | Schedule a meeting and provide the requested details. | A meeting is not a bound policy. Confirm final terms and the effective date before relying on coverage. |
Larger rental portfolio? Review the portfolio program · California regulator: commercial coverage distinctions
For long-term and short-term rentals.
- A home on an annual lease
- A furnished short-term rental
- A property with one to four units
Your home policy may not follow your rental.
A homeowners policy and a booking platform's host protection can have different rules for rental activity. Review the occupancy, direct bookings and periods between stays before relying on either.
How to get covered.
Tell us about the rental
Start with the address, how you rent it and the basics of the building.
Review the options
Confirm coverage, deductibles and any additional information needed for your property.
Put coverage in place
Review the final terms and effective date before binding.
Frequently asked questions
Yes. This line is for one-to-four-unit rentals, including homes on an annual lease and short-term rentals. Disclose how the property is used so the quote can confirm the coverage and terms for that occupancy.
Review coverage for your rental home.
Request a quote
