Rental Property Insurance

Protect your investment property, your rental income, and your landlord liability.

If you rent out a property, your tenants insure their own belongings — but the building, your liability as a landlord, and your rental income are your responsibility. Rental property (landlord) insurance protects your investment against damage, liability claims, and lost rent.

From a single unit to a multi-unit building, we tailor landlord coverage to your portfolio.

What's covered

Building and landlord-owned contents (appliances, furnishings)
Loss of rental income after a covered loss
Landlord liability and legal defence
Detached structures like garages
Optional coverage for tenant-caused damage and vacancy

Good to know

Frequently asked questions

Doesn't my tenant's insurance cover the building?: No — tenant policies cover their belongings and liability, not your building or your lost rent. You need landlord coverage for those.
Is lost rent really covered?: Yes — if a covered loss makes the unit uninhabitable, rental-income coverage replaces the rent you'd have collected during repairs.
Should I require my tenants to carry insurance?: We recommend it, and we can help you set it as a lease condition to reduce disputes and your exposure.

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Insurers we compare for rental property insurance

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Frequently asked questions

Doesn't my tenant's insurance cover the building?

No — tenant policies cover their belongings and liability, not your building or your lost rent. You need landlord coverage for those.

Is lost rent really covered?

Yes — if a covered loss makes the unit uninhabitable, rental-income coverage replaces the rent you'd have collected during repairs.

Should I require my tenants to carry insurance?

We recommend it, and we can help you set it as a lease condition to reduce disputes and your exposure.