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Landlord Insurance by State: Rules & Coverage Made Simple

Quickly find the requirements and coverage options for your state.

Protect Your Rental Property with a Customized Insurance Quote

a map, a camera, and a book on a table

What Does Landlord Insurance Cover?

Some states may have specific requirements or recommendations, which is why it’s crucial to understand the laws and policies in your area.



Landlord insurance typically covers:
  1. Property Damage: Protects against damage from fire, storms, and certain natural disasters.
  2. Liability Protection: Covers legal fees and medical expenses if someone gets hurt on your property.
  3. Loss of Rental Income: Provides coverage if your rental property is temporarily uninhabitable due to a covered event.

Landlord Insurance by State: Your Complete Guide

Each state has its own regulations, property risks, and insurance requirements. Click on your state below to explore specific landlord insurance options, legal requirements, and expert advice tailored to your rental properties.

States A-M

Alabama | Alaska | Arizona | Arkansas | California | Colorado | Connecticut | Delaware | Florida | Georgia | Hawaii | Idaho | Illinois | Indiana | Iowa | Kansas | Kentucky | Louisiana | Maine | Maryland | Massachusetts | Michigan | Minnesota | Mississippi | Missouri | Montana

States N-W

Nebraska | Nevada | New Hampshire | New Jersey | New Mexico | New York | North Carolina | North Dakota | Ohio | Oklahoma | Oregon | Pennsylvania | Rhode Island | South Carolina | South Dakota | Tennessee | Texas | Utah | Vermont | Virginia | Washington | West Virginia | Wisconsin | Wyoming

Finding the Right Coverage

The key to being a successful landlord is staying ahead of the game. And that means understanding the insurance market in your state, comparing rates, and knowing exactly what coverage is essential for your rental properties.

With this guide, you’ll have access to all the information you need about landlord insurance by state, helping you make the right choices to protect your investment and keep your profits flowing.

Key Considerations for Each State ->

  • Climate and Natural Disasters: Some states are more prone to hurricanes, earthquakes, or floods, which means your coverage might need to include protection against these events.
  • Tenant Laws: States differ in their tenant-landlord laws, which can affect your liability as a property owner.
  • State-Specific Insurance Requirements: Make sure you meet the minimum insurance requirements for landlords in your state, while also considering additional coverage to fully protect your assets.

Expert Advice for Landlords

Ready to level up your rental property business? Make sure your insurance is rock-solid with these state-specific guides that will help you navigate the complex world of rental property insurance. Each article will give you the full breakdown on
1
Minimum state requirements
2
The best insurance companies for rental property owners
3
Customizable policy options based on your property type

Stay Protected: Get Expert Tips on Insuring Your Rental Property Portfolio!

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