One uninsured claim can erase years of equity. Every serious investor needs landlord insurance, an umbrella policy, and life insurance to protect what they build.
Get Landlord InsuranceLife Insurance QuoteStandard homeowners insurance does NOT cover rentals
If a tenant is injured in your rental property and you only have a homeowners policy, your claim will be denied. You need landlord insurance (dwelling fire) on every rental you own.
Required on every rental property. Covers property damage, liability, and loss of rental income.
Built specifically for landlords and investors. Instant quotes online, coverage in all 50 states, and policies that actually cover rental properties correctly.
Compare landlord insurance quotes from multiple carriers in one place. Good for investors who want to shop around and find the best rate for their specific property type.
National Real Estate Insurance Group specializes in investor portfolios. Blanket policies covering multiple properties with one policy — ideal for 5+ unit portfolios.
Your most cost-effective protection. Covers claims that exceed your landlord policy limits — often millions in coverage for a few hundred dollars per year.
$1M to $5M in additional liability coverage above your existing policies. If a major lawsuit exceeds your landlord policy, umbrella kicks in. Every investor with 2+ properties needs this.
Often $200-$400/year for $1M coverage
Get Umbrella QuoteThe Math on Umbrella Insurance
A tenant slips and falls, sues for $800,000. Your landlord policy covers $300,000. Without umbrella, you pay $500,000 out of pocket. With a $1M umbrella policy costing $300/year — you pay nothing.
$300/year vs $500,000 out of pocket. The math is obvious.
If you die with a portfolio of leveraged properties, your family inherits the debt too. Life insurance ensures your estate can hold — or liquidate — on their terms.
Compare term life quotes from top-rated carriers. A 20-year term policy with $1M coverage typically costs $30-$60/month for healthy investors in their 30s-40s.
Indexed Universal Life policies used as a tax-advantaged wealth vehicle. Borrow against your policy cash value to fund real estate deals — a strategy used by sophisticated investors.
If you have business partners or investors in your deals, key person insurance protects the business if one partner dies unexpectedly. Required by some lenders on commercial deals.
For investors who also operate a business — flipping, wholesaling, property management, or real estate brokerage.
General liability for real estate investors, house flippers, and contractors. Covers bodily injury, property damage, and advertising injury claims against your business.
Get Business Liability QuoteE&O insurance for real estate agents, property managers, and advisors. Protects against claims of professional negligence, mistakes, or failure to perform services.
Get E&O InsuranceAt minimum: landlord insurance (dwelling fire policy) on the rental, and an umbrella policy for excess liability. If you have a mortgage, your lender will require landlord insurance anyway. Add umbrella coverage — it is inexpensive and provides enormous protection.
Typically $800-$2,000/year per property depending on location, property value, coverage limits, and your claims history. Multi-property portfolios often qualify for discounts.
Yes. The LLC should be listed as the named insured on the policy, not you personally. This reinforces the liability separation between you and the entity.
Landlord insurance covers the building and your liability as the property owner. Renters insurance covers your tenant's personal belongings. You should require tenants to carry renters insurance as a condition of the lease.
Make sure the numbers work first. Run a free AI analysis on any property — cap rate, DSCR, cash flow, and Buy/Pass verdict in 60 seconds.
Run Free Deal AnalysisToInvested.com is not a licensed insurance agent. Links on this page are affiliate referrals — we may earn a commission at no additional cost to you. Always compare multiple providers and consult a licensed insurance professional for your specific needs.