🏠 Property Protection
Coverage for repairs and rebuilding after property damage.
Protect Your Rental Property. Secure Your Income
Affordable landlord insurance tailored for your needs
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Why Landlord Insurance Is Essential
Owning rental property isn’t just about collecting rent, it’s about protecting one of your biggest investments.
Here’s what Landlord Insurance shield you from:
Fires & Natural Disasters – Safeguard your property against fire, storms, and unexpected damage.
Theft & Vandalism – Coverage for losses caused by break-ins or tenant-caused damage.
Liability Claims – Protection if a tenant or visitor is injured on your property and sues.
Loss of Rental Income – Keeps your cash flow steady when your property is uninhabitable due to a covered event.
Benefits of Landlord Insurance
🛡️ Liability Shield
Protection from lawsuits, accidents, and liability claims.
💵 Rental Income Security
Ensures you get paid even if tenants can’t cover rent.
What Does Landlord Insurance Cover?
Standard Landlord insurance typically includes:
Condo protection, demystified—your must-haves up front, extras on tap when life gets “plot twist.”
Dwelling / Interior Structure
Protects your unit’s interior—walls, floors, fixtures, built-ins—against covered perils.
Personal Property
Covers your belongings at home and usually off-premises too.
Liability Protection
Helps with legal costs and payouts if you’re responsible for injury or property damage.
Medical Payments to Others
Pays small medical bills for guests injured in your unit, regardless of fault.
Loss of Use
Covers hotel, meals, and living expenses if a covered loss makes your condo unlivable.
Loss Assessment
Helps pay your share of HOA special assessments from covered building/liability losses.
Building Property
Covers upgrades you’ve added—custom cabinets, counters, flooring, built-ins.
Optional Coverages
Click to reveal add-ons for common condo gaps.
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Optional Coverages
Click to reveal add-ons for common condo gaps.
Water Backup
Helps with damage from sewer/sump backups.
Earthquake
Coverage for quake damage, excluded from standard policies.
Flood
Flood insurance via NFIP or private carriers.
Scheduled Property
Extra protection for jewelry, art, collectibles.
Identity Theft
Support and expense coverage if your identity is stolen.
Umbrella
Additional liability limits above your condo policy.
Tap any card to see what it covers. These landlord policy options help protect your building, your rental income, and your liability—without fluff.
Dwelling (Building) Coverage
Your rental’s structure—roof, walls, floors, built-ins—against covered perils.
Click to see details
- Covers attached structures & permanently installed fixtures.
- Settlement options vary (RC vs. ACV); roof-surfacing endorsements may apply.
- Choose limits based on current rebuild cost (labor & materials).
Other Structures
Detached garages, fences, sheds—usually a % of the dwelling limit, adjustable as needed.
Click to see details
- Confirm usage (storage vs. business) to avoid gaps.
- Increase limits if you’ve added significant detached improvements.
Landlord Personal Property
Appliances, carpeting, and furnishings you own—not tenant belongings.
Click to see details
- Often ACV; ask about Replacement Cost if offered.
- Set a realistic sub-limit if the unit is furnished.
Loss of Rents (Fair Rental Value)
Replaces rental income while repairs are made after a covered loss.
Click to see details
- Applies only when damage is from a covered peril and the unit is uninhabitable.
- Time & dollar caps apply—match limits to your market and turnover time.
Landlord Liability
Bodily injury or property damage claims tied to your premises (defense included).
Click to see details
- Consider a personal umbrella for higher limits.
- Ask about Personal/Advertising Injury (e.g., wrongful eviction).
Medical Payments to Others
Goodwill coverage for minor guest injuries—helps avoid bigger disputes.
Click to see details
- Pays initial medical bills regardless of fault (within limits).
- Not for you or household members.
Water Backup & Sump Overflow
Adds coverage for backups through sewers/drains—flood still excluded.
Click to see details
- Choose a limit that fits your finish level (basements need more love).
- Often a separate deductible applies.
Equipment Breakdown
Mechanical/electrical breakdown of systems like HVAC, boilers, and major appliances.
Click to see details
- Different from wear & tear; think sudden breakdowns.
- Often includes spoilage, extra expense, and diagnostics.
Windstorm & Hail
Wind/hail losses to the building—watch for % deductibles and roof settlement terms.
Click to see details
- Some areas have separate named-storm or wind/hail deductibles.
- Roofs may be settled at ACV unless you add RC—ask before a storm does.
Ordinance or Law
Pays extra to meet current codes after a covered loss (demo & rebuild upgrades).
Click to see details
- Older buildings benefit most—code upgrades aren’t cheap.
- Often offered as 10/25/50% of dwelling; pick what fits your jurisdiction.
Vandalism & Malicious Mischief
Common landlord claim—mind vacancy limitations after a unit sits empty.
Click to see details
- Some carriers restrict/void coverage after prolonged vacancy.
- Document damage immediately; police report may be required.
Theft (Landlord PP & Materials)
Limited coverage for your items; tenant theft may be excluded unless endorsed.
Click to see details
- Check sub-limits and any exclusions for theft by a tenant or during renovation.
- Keep receipts & serial numbers; police report usually required.
Service Line Coverage
Underground water, sewer, or power lines from street to home—repair/replacement costs.
Click to see details
- Helps with excavation, outdoor property restoration, and loss of use.
- Great add-on for older properties and tree-heavy lots.
Bundle & Save
We reward loyalty with bundle discounts that make managing your insurance easier and more affordable
Landlord + Auto Insurance
Safeguard your rental property and your vehicles together while enjoying valuable discounts.
Landlord + Life Insurance
Protect your rental investment today while securing your family’s future with life coverage.
Landlord + Umbrella Coverage
Get extended liability protection that goes beyond landlord insurance for maximum peace of mind.
Landlord + More Bundles
Ask about pairing landlord coverage with flood, earthquake, or even business insurance for complete protection.
Protect Your Property, Protect Your Lifestyle
Don’t leave gaps in your coverage. OnePoint makes landlord insurance easy, affordable, and reliable.
Why OnePoint Insurance Agency
The OnePoint Advantage
Personalized Coverage – Tailored to rental property
Affordable Options – Plans that fit your budget
Trusted Advisors – Real agents, not just algorithms
Popular Endorsements & Add-Ons
Different carriers offer these under various names, but these optional coverages enhance your protection:
Water Backup/Sump Pump Overflow
Covers damage from water backing up into your home via sewers or drains.
Service Line Coverage
Protects underground pipes and wiring (sewer, water, electric) from damage
Equipment Breakdown Coverage
Pays for repair/replacement of appliances, HVAC, or electrical systems from mechanical failure.
Ordinance or Law Coverage
Covers the cost of upgrading your home to current codes during repairs.
Extended or Guaranteed Replacement Cost
Increases dwelling limits above policy limits if rebuilding costs exceed expectations.
Scheduled Personal Property
Extra protection for high-value items: jewelry, watches, art, collectibles, firearms.
Home Cyber Protection
Covers identity theft, cyberattacks, and online fraud incidents
Inflation Guard
Automatically increases your dwelling coverage annually to match inflation.
Loss Assessment Coverage (HOAs)
Covers your share of a loss assessed by a homeowners association.
Pet Liability
Adds or increases liability coverage for damage/injury caused by pets.
Business Property Coverage
Expands limits for business equipment stored or used in your home.
Short-Term Rental Endorsement
Covers damages and liability during Airbnb or Vrbo stays
Flood Insurance (NFIP or Private Market)
Covers losses from rising water or storm surge NOT in a standard policy.
Earthquake Insurance
Available in seismic zones; protects against quake damage
Not Sure What You Need?
Every home is different and every homeowner’s needs are unique. Our advisors are ready to review your existing policy, uncover gaps, and recommend the right endorsements based on your:
Home’s age and construction
Value of personal property
Risk of flood, earthquake, or wildfire
Usage (primary, secondary, rental)
Lifestyle and liability risks
How It Works
Three quick steps. Total peace of mind.
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Request a Free Quote
Answer a few simple questions
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Review Personalized Coverage Options
See protection tailored to your rental property
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Get Protected in Minutes
Lock in coverage and live worry-free
What Affects Your Premium?
We believe in transparency. These are some of the top factors that can impact your insurance rate:
Location and ZIP code
Age and Construction of your home
Claims History
Credit History (In some State)
Want to see your personalized rate? Just answer a few quick questions.
Types of Homes We Cover
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Frequently Asked Questions
What exactly does landlord insurance cover?
A standard landlord policy usually covers:
Property damage (fire, storms, vandalism, theft)
Liability protection if someone gets hurt on your property
Rental income protection if the home becomes unlivable after a covered event
Optional add-ons can cover floods, earthquakes, or extended liability.
Is loss of rental income included automatically?
Typically, yes, most landlord policies include rental income protection if your property becomes uninhabitable due to a covered loss (like fire or major storm damage). But always confirm with your agent so you’re not caught off guard.
How much does landlord insurance cost?
Costs vary based on the property’s location, size, type of tenants, and coverage options. On average, landlord insurance is about 15–25% more expensive than standard homeowners insurance, but the peace of mind is worth every penny.
What isn’t covered under landlord insurance?
Common exclusions include normal wear and tear, maintenance issues, and tenant’s personal belongings (they need renter’s insurance for that). Floods and earthquakes are usually separate add-ons.
Do I really need landlord insurance if I already have homeowners insurance?
Yes. Homeowners insurance is designed for owner-occupied homes, not rental properties. If you’re renting out your property, most homeowners policies won’t cover tenant-related damage, liability, or lost rental income. Landlord insurance fills those gaps.
Can my tenants be required to have renters insurance?
Yes, and it’s a smart move. Landlord insurance doesn’t cover tenants’ personal property, but requiring renter’s insurance protects them (and reduces your liability risk).
OnePoint Insurance Resources
Find answers to your insurance questions, insights into current trends, and tools for navigating life in our resource center.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Insurance doesn't have to be complicated. Get easy explanations for all your questions.
Talk to a Real Agent
Call, text, or click. We’re ready when you are.
888-899-8117
555 NorthPoint Center E, Alpharetta
Georgia. 30022
We’re here to make insurance feel simple, clear, and stress-free. At OnePoint Insurance Agency, we’ll help you find the right coverage so you can focus on living, while we protect the things that matter most.
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