Landlord insurance.
For the places
people call home.
You put time and care into your rental property. Talk with CPIS about coverage for the building, your responsibilities as an owner, and the income it helps generate.
Describe your property and rental arrangements. Coverage options depend on occupancy, property condition, and insurer underwriting.
The right conversation begins at the front door.
A tenant-occupied house, a duplex, and a multi-unit building may need different insurance arrangements. Tell us what you own, who occupies it, and how you rent it out.
- Property type, location, and number of rental units
- Ownership entity and property management arrangements
- Long-term leases, short stays, or mixed occupancy
- Current coverage and any lender requirements
Disclose vacancies, renovations, owner occupancy, and short-term rentals before selecting coverage. A change in how the property is used can affect eligibility and policy terms.
The building.
The responsibilities.
The details in between.
Review each part of the proposed policy. Landlord and dwelling policies can differ in what they include or require you to add.
Building & other structures
Discuss protection for the rental building and eligible detached structures after a covered loss. Review insured values, valuation terms, and deductibles.
Owner’s property
Identify appliances, furnishings, and maintenance equipment you provide or keep at the property. These items may need specific coverage or an endorsement.
Premises liability
Ask whether liability is included or needs to be added. It may help with covered claims alleging that you are legally responsible for injury to others or property damage.
Loss of rental income
Review fair rental value or rental-income protection when a covered property loss makes the premises unfit to rent. Limits, time periods, and qualifying conditions matter.
Flood, earthquake, water backup, building-code upgrades, and other exposures should be discussed separately. No policy should be assumed to include every cause of loss.
Know what triggers rental-income protection.
If insured property damage leaves a unit unfit to occupy, the policy may provide eligible rental-income protection during the covered restoration period.
This should not be treated as a general guarantee of rent. Tenant nonpayment, ordinary turnover, and an empty unit do not automatically qualify. Review the actual trigger, calculation, waiting period if any, and maximum payment period.
Read the rental property FAQs →Bring the property details.
We’ll start there.
Select Other / Not sure on our quote form and describe your rental property. Include any purchase, closing, renewal, or occupancy-change deadline.
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The building & condition
Address, construction, age, unit count, square footage, roof and system updates, and any planned work.
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The way it is rented
Lease terms, occupancy, rental income, vacancy, furnished units, and any short-term or nonresidential use.
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Your existing arrangements
Current policy, insured values, deductibles, prior claims, ownership details, and lender or management requirements.
Questions rental owners ask.
A clear picture of your property and its use makes the coverage discussion more useful.
Can I use my regular homeowners policy for a rental?
Do not assume it provides the protection you need. Rental use can change eligibility and coverage. Disclose whether you rent a room, the whole home, or multiple units, and whether stays are short-term or long-term.
Does landlord insurance cover a tenant’s belongings?
Landlord coverage generally addresses the owner’s insured property and applicable liability exposures. Tenants typically need renters insurance for their own belongings and personal liability. Your policy should not be presented as a substitute for theirs.
Will loss-of-rent coverage pay if a tenant stops paying?
Standard rental-income protection is generally connected to a qualifying insured property loss, rather than a tenant’s failure to pay. Review the policy wording; do not treat it as rent-guarantee or eviction-expense coverage.
What about flood, earthquake, or ongoing maintenance?
Flood and earthquake are commonly excluded from standard property forms and may require separate coverage. Wear and tear and maintenance are generally not insured losses. Ask how your policy treats water damage, leaks, and backup as well.
Can I discuss a vacant property or short-term rental?
Describe the situation in your inquiry. Vacancy, renovations, short stays, and changing occupancy can require different terms or a different policy. Availability and acceptance depend on the property and insurer underwriting.
Does submitting the quote form activate insurance?
No. The form starts an inquiry. Coverage must be arranged and confirmed under the applicable policy terms. Tell CPIS if you have a closing date or need to satisfy a lender’s insurance requirement.
Give your rental property a closer coverage review.
Tell us what you own, how it is rented, and what you want to protect. Start online or call our team.