Landlord insurance
Protect your rental properties and income
As a landlord, your rental property is more than an investment—it’s a source of income. At Cogswell Insurance Agency, our Landlord Insurance policies protect your property, finances, and peace of mind. From unexpected damages to tenant-related risks, we offer customized solutions to keep your rentals secure.
Why do you need landlord insurance?
Standard homeowners insurance won’t cover properties rented to tenants. Landlord Insurance ensures you’re protected against:
- Property Damage: Coverage for repairs caused by fire, storms, or vandalism.
- Liability Claims: Protection if a tenant or visitor is injured on your property.
- Lost Rental Income: Compensation if your property becomes uninhabitable due to a covered event.
- Tenant-Related Risks: Protection for damages caused by tenant negligence or accidents.
What does landlord insurance cover?
Property damage
Protects your rental building, fixtures, and other structures from fire, weather, and vandalism.
Liability coverage
Covers medical and legal costs if a tenant or visitor is injured on your property.
Loss of Rental Income
Reimburses lost income if your rental becomes uninhabitable due to a covered event.
Frequently asked questions
Who Needs Landlord Insurance?
If you rent out residential or commercial properties, Landlord Insurance is essential. This includes:
- Single-Family Home Rentals
- Multi-Unit Apartments
- Vacation Rentals
- Condos and Townhomes
- Commercial Rental Properties
Does landlord insurance cover tenant-caused damage?
Yes, it can cover accidental damage caused by tenants, but deliberate damage may require additional coverage.
Is loss of rental income included?
Yes, policies can include compensation for lost income if the property becomes uninhabitable due to a covered event.
Do I need landlord insurance for a short-term rental?
Yes, landlord insurance can protect vacation rentals and short-term leases against property damage and liability claims.
Why choose Cogswell Insurance Agency?
- Customized Policies: Tailored coverage options for landlords of all property types.
- Competitive Rates: Affordable premiums that fit your budget.
- Comprehensive Protection: Coverages for property damage, liability, and income loss.
- Expert Support: Our team simplifies the process, from choosing coverage to handling claims.
Get the coverage you need for your rentals
Protect your rental properties and income with reliable Landlord Insurance from Cogswell Insurance Agency. Call us at 406-761-5000 or request a free quote online today!
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