Landlord Insurance:
Passive income shouldn't be an active stress
The Lowdown
Your investment property is a nest egg, but it’s also a liability. Whether it’s a burst pipe, a tenant who does a runner, or a kitchen fire, Landlord Insurance ensures your investment stays an asset rather than a debt. We strip out the hidden commissions so you get more protection for your rental yield.
What It Protects Against
Damage to the building (fire/storm), malicious damage by tenants, loss of rent if the property becomes unlivable, and your liability if a tenant gets hurt on-site.
Who Needs It
Anyone renting out a house, apartment, or commercial space:
from first-time investors to seasoned portfolio owners.
FAQs
What’s the difference between this and my normal home insurance?
- Standard home insurance assumes you live there.
- Landlord insurance is specifically built for the risks of renting—like a tenant accidentally flooding the bathroom or refusing to pay rent. It’s the extra layer of armor for people who aren’t there to keep an eye on things 24/7.
Does it cover me if the tenant just stops paying
If you add ‘Rent Default’ cover, then absolutely. If your tenant loses their job or disappears, this cover helps pay the mortgage while you’re sorting out the mess and finding a new tenant. It keeps your cash flow from drying up.
My property manager said they have it covered—do I still need my own?
Usually, yes. A property manager’s insurance protects their business, not your bricks and mortar. You need your own policy to protect your specific asset and your personal liability as the owner.