Types of Landlord Insurance
Low Landlord Insurance
For those who need to save money
Property
- Actual Cash Value
- Other Structures: 1%*
Liability
- Personal: $100,000
- Medical Payments: $1,000
Deductible
- $5,000+
- or Co-Insurance
Standard Landlord Insurance
For the average person
Property
- Actual Cash Value & Some Matching
- Water-Backup Protection
- Other Structures: 10%*
Liability
- Personal: $200,000
- Medical Payments: $2,000
Deductible
- $2,000
Premium Landlord Insurance
For those who worry or have a high net worth
Property
- Matching & Additional Replacement Cost
- Water-Backup Protection
- Other Structures: 30%*
- Personal Property
Liability
- Personal: $300,000
- Medical Payments: $5,000
- Personal Injury
Deductible
- $1,000
*Percentages are of the replacement cost of the dwelling

Glossary
Liability
Personal
Medical Payments
Personal Insurance Protection
This Pays for damages to someone's name including:
- Defamation of name
- False arrest
- Libel
- Malicious prosecution
- Publication that violate's privacy
- Slander
- Wrongful conviction
Business Pursuits
Building
Dwelling
Examples of attachments: Attached garage, awning, ceiling fan, towel bar, mirrors.
Other Structures
Additional Replacement Cost
Example: If your current home’s reconstruction cost is $300,000 and you had this endorsement at 25% then the insurance company would pay up to $375,000 (300,000 * (1 + 25%)).
Another additional replacement cost you can add is for ordinces & laws. Normal home insurance doesn’t cover the extra cost to build your home to code, so this is a valueable endorsement to have if you have an old unupdated home.
Matching
Other
Personal Property
Deductible
Normal Exclusions You Can Add
Water Damage
Flood
Equipment Breakdown
Utility
Earthquake
Discounts*
- Multi Policy
- Claims-Free
- Loyalty
- Green Home
- Home Improvements
- Burglar Alarm
- Fire Alarm
- Smoke Detector
- Sprinkler System
- Smart Home
- Water Sensor
- Automatic Water Shutoff
- Low-Temperature Sensor
- Senior
- Military / Serviceman
- Married / Widowed
- HOA
- Gated Community
- Paid in Full
- Early Payment
- Automatic Payments
- Bank or Card Payments
- Paperless
*Different carriers use different discounts
Frequently Asked Questions
Do we insure people with many claims?
Do we insure wood shingle roofs?
Do we insure home sharing or home renting?
What payment methods do we accept?
How can I file a claim?
If you can’t find your answer here, please don’t hesitate to ask a representative through our messaging system or email