Insurance
Landlord Insurance
Landlord insurance may help protect a building you rent to others, along with certain other structures and liability. It generally does not cover a tenant’s personal property.
What to consider
- 01Review dwelling and other-structure limits against the cost to rebuild.
- 02Ask whether lost rental income is covered after a covered loss.
- 03Consider requiring tenants to carry renters insurance for their own belongings.
Through a military lens
If you keep a home at a previous duty station and rent it out, tell your insurer. A rental property usually needs different coverage than an owner-occupied home.
Questions, answered
Does landlord insurance cover tenants’ belongings?
No. Tenants generally need their own renters insurance for personal property.
What if I rent the home short-term?
Short-term or vacation rentals may not be covered under a standard landlord policy. Describe the rental arrangement to the provider before listing the property.
Draft educational guidance for owner and factual review before publication. Policy terms, exclusions, and state requirements vary. MilitaryInsure is not a carrier or licensed insurance agency and does not provide individual insurance advice.