Landlord Insurance by State
Landlord insurance (also called dwelling fire or rental property insurance) covers rental properties you own but don't live in. It typically includes building coverage, liability, and sometimes loss of rent. Premiums vary by state, property value, and deductible. Select your state for average estimates and scenario comparisons.
What Landlord Insurance Covers
Landlord policies typically cover the dwelling structure, other structures on the property, and liability for injuries or damage related to the rental. Loss of rental income and optional coverage for contents (e.g. appliances you provide) may be available. Standard homeowners insurance usually does not cover a property used primarily as a rental.
Differences From Homeowners Insurance
Homeowners insurance is for owner-occupied homes. Landlord (dwelling fire) insurance is for properties you rent out. Insurers treat rental properties as higher risk (vacancy, tenant use), so premiums and terms differ. You typically need a landlord policy when the property is not your primary residence.
Rental Property Risk Overview
Rental property risk factors include location, property value, construction type, and loss history. Higher property values and lower deductibles generally mean higher premiums. State-level averages reflect typical dwelling fire / landlord rates in each state.
States
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Estimates are educational and based on state-level averages. How we calculate · Home Insurance · Renters Insurance · Sources