Landlord Insurance

shutterstock_417917866Are you currently a landlord or thinking about becoming a landlord?

Here are some questions to consider:

  • What if the tenant leaves the stove on by accident and there is a fire?
  • What if there is a broken board on the stairs and the tenants guest falls through it?
  • What if the tenant has a dog that bites someone at your rental property?

There are several important scenarios to consider as a landlord, and it is important to have the proper coverage for you investment and your liability exposure.


On a landlord insurance policy in Washington and Oregon today, you can expect to find:

  • Dwelling – The structure of your rental property.
  • Detached Structures – A separate shop, garage, fence, etc…
  • Personal Property – Your personal possessions if any are kept at your rental property.
  • Loss of rent – Rental income while your rental property is not habitable due to a covered loss.
  • Personal liability – The coverage that helps protect you and the members of your home against lawsuits.
  • Medical Payments – The coverage that will cover medical expenses that arise when someone other than a member of your household is injured on your rental property.

If you are a landlord it is also important to consider umbrella insurance for additional protection.


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