Do you own a rental property and consider yourself a landlord? If so, we’re here to help you find a personalized insurance plan to protect not only your property and its contents, but also your stream of rental income.

What is Landlord Insurance?

Landlord insurance is a form of protection for landlords and their owned houses, apartments, or other places of residence leased or rented to one or more tenants for a period of 30 days or more. It is similar to traditional home insurance and comes with the same basic coverages, but it is important to know that your home insurance will not protect an investment property that you don’t live in.

These policies will help protect you against:

  • Property damage such wall and flooring damage, leaks, fire, wind, smoke, and water damage
  • Loss of rental income in the event that tenants need to vacate the premises
  • Legal liability, such as injury to a third party on your property


Additional coverage can be purchased for protection against situations like:

  • Wilful damage by a visitor
  • Appliance damage
  • Vandalism


While being a landlord can be a rewarding and profitable investment, it can also be a challenging and risky job. Let us help you protect yourself.

What Doesn’t Landlord Insurance Cover?

Landlord insurance only applies to items that you, the landlord, owns, such as the building itself and its contents. It does not apply to what the tenants own, such as their furniture and other belongings. Tenants will need their own tenant insurance to be covered for their own possessions.

Do my Tenants Need Their Own Insurance?

While it is not mandatory by law for tenants to have their own insurance, in some cases landlords can include a requirement in the lease agreement requiring tenants to have their own insurance policy. The choice is up to you, but just remember that the insurance that you buy does not cover tenants from either personal liability or damage/ loss of their property.