Resources for Landlords and Real Estate Investors
Practical guides, tools, and answers to the questions landlords actually ask.
Insurance Basics
What Insurance Do I Need for a Rental Property?
If you rent out a property, you need landlord insurance. A standard homeowners policy does not cover a home you're renting to someone else.
Learn More →Can I Use My Homeowners Insurance for a Rental?
No. Once you hand the keys to a tenant, your homeowners policy stops protecting you as a landlord.
Learn More →What Does Landlord Insurance Actually Cover?
The building, your liability, and lost rent after a covered loss. Here's what that means in practice.
Learn More →What Happens If a Tenant Sues Me?
Your liability coverage may pay for your legal defense and any judgment against you, up to your policy limit.
Learn More →How Much Does Landlord Insurance Cost?
Most single-family landlord policies run $800 to $2,500 per year. Here's what moves the price.
Learn More →Landlord Insurance vs Homeowners Insurance
Homeowners insurance and landlord insurance are not the same. Here's what each covers and why the difference matters.
Learn More →5 Costly Insurance Mistakes Landlords Make
These 5 mistakes cost landlords thousands. Here's what to watch for before your next renewal.
Learn More →Insurance for a Vacant Rental Property
Most landlord policies limit or exclude coverage after 30-60 days of vacancy. Here's what to do.
Learn More →Insuring a Rental Property Held in an LLC
LLC ownership changes how insurance works. The LLC must be listed as the named insured, not you personally.
Learn More →Property Types
Rentals and Rehabs
Coverage for occupied rentals and properties under renovation. Includes builder's risk options for rehab projects.
Learn More →Short-Term Rentals
Airbnb and VRBO properties carry higher liability exposure. Here's what standard policies miss and what you need.
Learn More →House Hacking
Living in one unit while renting others changes your coverage options. Here's how to insure it correctly.
Learn More →Ground-Up Construction
Builder's risk coverage for new construction. Protects the project while it's being built.
Learn More →Multifamily Properties
Five or more units shifts to commercial lines. Here's what that means for your coverage and cost.
Learn More →Mobile Home Parks
Park-owned infrastructure, common areas, and liability for residents. Specialized coverage for a specialized asset.
Learn More →Commercial Property
Office, retail, industrial, and mixed-use properties. Coverage built around income-producing commercial assets.
Learn More →Portfolio Landlord Insurance
One policy for multiple properties. Simplifies renewals and may lower your per-property cost.
Learn More →DSCR Loan Coverage
Lenders financing DSCR loans have specific insurance requirements. Here's what they want and how to meet it.
Learn More →Carrier Markets
Our Carrier Markets
We work with 20+ carriers for real estate investors and property owners across the Western US.
Learn More →Real Estate Investor Guides
First-Time Landlord: What You Need to Know Before You Rent
The shift from homeowner to landlord, the five things to do before move-in, and the one mistake that costs new landlords the most.
Learn More →How to Screen Tenants: What Landlords Need to Check
Credit, income, rental history, criminal background, and references. What to check and how to apply fair housing rules.
Learn More →What to Do If Your Tenant Doesn't Pay Rent
The step-by-step process from first contact to eviction, and what insurance does and does not cover.
Learn More →Should I Hire a Property Manager?
Property managers cost 8 to 12 percent of rent. Here's how to know if it's worth it and what to check on your insurance policy.
Learn More →Rental Property Tax Deductions: What Landlords Can Write Off
Mortgage interest, depreciation, insurance, repairs, management fees, and more. What qualifies and what does not.
Learn More →How to Calculate Cash Flow on a Rental Property
The correct formula including mortgage, insurance, management, maintenance reserve, and vacancy. Not just rent minus mortgage.
Learn More →How to Grow a Rental Property Portfolio
Financing strategy, the insurance shift at three-plus properties, LLC structure, and what changes as you scale.
Learn More →What Expenses Should You Expect as a Landlord?
Fixed, variable, and one-time costs. The full expense picture before you buy, including the 50 percent rule.
Learn More →When Should You Sell Your Rental Property?
Signs it is time to sell, signs to keep holding, tax considerations, and what happens to your landlord policy at closing.
Learn More →Tools
Rental Property Profit Calculator
Calculate monthly cash flow, annual profit, and ROI before you buy.
Try the Calculator →Insurance Cost Estimator
Get a rough idea of what landlord insurance might cost before you talk to an agent.
Try the Calculator →Rental Property Insurance Fit Check
Answer 5 quick questions to find out if your rental property might have a coverage gap.
Try the Calculator →Quote-Ready Checklist
Check off what you have ready before starting a quote. Fewer delays, faster results.
Try the Calculator →How Much Coverage Do I Need?
A guided tool to estimate appropriate dwelling, liability, and rental income coverage for your property.
Try the Calculator →Is This a Good Deal? Deal Analyzer
Enter your numbers and get a green, yellow, or red signal on whether this rental property works financially.
Try the Calculator →FAQ
Common Questions
25 answered questions on rental, short-term rental, multifamily, and commercial property insurance for real estate investors.
Learn More →Ready to get covered?
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