Compare landlords insurance from local independent agents.
21,693 independent agencies nationwide write landlords insurance. An independent agent compares rental propertycoverage from multiple carriers to fit your coverage and budget, not just one company’s price. Tell us what you need once and we connect you with a licensed agent near you.
What landlords insurance can cover
- Landlord / dwelling property
- General liability
- Loss of rental income
- Umbrella / excess liability
- Flood (where applicable)
- Equipment breakdown
Coverage needs vary. A licensed agent will help you decide what applies — we don't provide quotes or advice.
Landlords insurance by state.
Pick your state to see local independent agencies and request quotes.
Renters insurance vs. landlord insurance: who needs which?
Renters insurance and landlord insurance protect different people and different property. Here's who needs which policy, what each covers, and where the gaps are.
Read the guide →Frequently asked questions
Is a homeowners policy enough for a rental?
Homeowners policies generally exclude tenant-occupied rentals. A landlord (dwelling) policy is usually the right fit — an agent can confirm.
Does landlord insurance cover lost rent?
Many landlord policies include loss of rental income after a covered loss. Coverage amounts vary, so review the limit with an agent.
Should I require tenants to carry their own coverage?
Many leases require it, and it can reduce disputes after a loss. An agent can explain how a tenant's policy works alongside your landlord coverage.
Source: Public licensing records: Texas DOI (Socrata) + Florida DFS bulk file; Iowa open data (CC-BY 4.0) for contact enrichment.
Find Independent Insurance is operated by Relay and is not an insurance agency, broker, or carrier. We do not provide quotes, insurance advice, or coverage recommendations, and we do not guarantee coverage or price. Licensed independent agencies handle quotes, advice, and policy placement.