Personal insurance · Memphis, TN

Landlord / Rental Property Insurance in Memphis

Landlord insurance helps real estate investors protect a rental home's structure, landlord-owned property, liability exposure and potential loss of rental income after a covered claim.

What it covers

What does landlord / rental property insurance cover?

Rental dwelling

Helps repair the house or residential building after a covered loss.

Landlord property

Protects appliances, equipment and furnishings you provide for tenant use.

Premises liability

Helps with covered injury or property damage claims connected to the rental.

Loss of rental income

May replace lost rent when a covered loss makes the property uninhabitable.

Who needs it

Who should consider landlord / rental property insurance?

  • Owners of single-family rental homes
  • Investors with duplexes or small residential properties
  • Homeowners converting a residence to a rental
  • Landlords reviewing portfolio coverage

Straight answers

Landlord / Rental Property Insurance questions

Can homeowners insurance cover a rental property?

A standard homeowners policy is generally designed for an owner-occupied home. A property rented to tenants usually needs landlord or dwelling-fire coverage tailored to that use.

Does landlord insurance cover a tenant's belongings?

Usually not. Tenants generally need their own renters policy for personal belongings and liability.

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