With Landlord plus insurance, your business gains a resilient shield against an array of potential challenges, ensuring your operations remain protected, your reputation intact, and your financial well-being secure.

Loss of Rental Income: If your rental property becomes uninhabitable due to covered perils such as fire or water damage, landlord insurance can provide compensation for the lost rental income during the repair or rebuilding period.


Rental Income Replacement: If your rental property becomes uninhabitable due to covered perils such as fire, flood, or other damages, this coverage provides compensation for the lost rental income during the repair or rebuilding period.

Temporary Relocation Expenses: In situations where your tenants are displaced due to covered perils, this coverage can reimburse you for the costs associated with temporarily relocating your tenants to alternative accommodation.

Extended Coverage Period: Some policies offer extended coverage periods beyond the initial repair period to account for delays in rebuilding or finding new tenants.

Fair Rental Value Protection: If your rental property sustains damages that render a portion of it uninhabitable, this coverage compensates you for the fair rental value of the uninhabitable portion.

Loss Mitigation Expenses: Coverage for expenses incurred to mitigate the loss of rental income, such as advertising costs to attract new tenants, rental incentives to expedite occupancy, or property management fees associated with leasing efforts.

Rent Default Coverage: Some policies offer coverage for situations where tenants fail to pay rent as agreed or abandon the property without notice.

Legal Expenses Coverage: If legal disputes with tenants arise regarding loss of rental income or lease agreements, this coverage can assist with legal expenses, including attorney fees and court costs incurred in resolving rental disputes or pursuing eviction proceedings.

Property Damage: Landlord insurance typically covers damages to your rental property caused by events like fire, storms, vandalism, or theft. It helps you repair or rebuild your property, ensuring your investment remains protected.


Fire and Smoke Damage: Protection against losses resulting from fires or smoke damage, including structural damage and damage to personal belongings inside the property.

Weather-related Damage: Coverage for damages caused by severe weather events such as storms, lightning, hail, wind, and hurricanes.

Water Damage: Safeguarding your property from water-related damages, including burst pipes, plumbing leaks, or water intrusion due to storms or floods.

Vandalism and Malicious Damage: Coverage for damages caused intentionally by vandals or malicious acts by tenants or unauthorised individuals.

Theft and Burglary: Protection against theft or burglary at your rental property, including stolen appliances, fixtures, or personal belongings.

Accidental Damage: Coverage for accidental damage to your rental property caused by tenants or their guests, such as accidental fires, spills, or mishaps that result in property damage.

Impact Damage: Protection against damages caused by vehicles, falling trees, or other objects impacting your rental property.

Loss Assessment: Coverage for costs associated with assessments levied by a condominium or homeowners association for damages to common areas of the property.

Fair Rental Income Protection: In the event your rental property is uninhabitable due to covered perils, this coverage provides compensation for lost rental income during the repair or rebuilding period, ensuring your cash flow remains intact.

Landlord Liability: Covers you if your tenants or their guests are injured while on your property, protect you from lawsuits related to damages suffered by others.


Personal Injury Liability: Protection against claims for bodily injury or personal injury suffered by tenants, visitors, or guests on your rental property. This coverage extends to medical expenses, legal fees, and damages if you’re found liable for injuries resulting from accidents or incidents on your premises.

Property Damage Liability: Coverage for damages to third-party property caused by negligence on your part as the landlord. This includes repairs or replacement costs for property damage resulting from incidents such as fires, floods, or other accidents originating from your rental property.

Slip-and-Fall Accidents: Protection against claims related to slip-and-fall accidents or injuries occurring on your rental property due to unsafe conditions, inadequate maintenance, or negligence. This coverage helps cover medical bills, legal expenses, and compensation for injuries suffered by tenants, visitors, or guests.

Lead Paint Liability: If your rental property contains lead-based paint, you could be held liable for lead poisoning or related health issues suffered by tenants or their children. Landlord liability coverage can help protect you from claims and legal expenses associated with lead paint exposure.

Nuisance Liability: Protection against claims alleging that your rental property creates a nuisance or disturbance to neighboring properties or residents.

Tenant Discrimination Liability: If a tenant or applicant alleges discrimination based on protected characteristics such as race, gender, religion, or disability, landlord liability coverage can provide protection against legal expenses resulting from discrimination claims.

Libel and Slander Coverage: Protection against claims of libel or slander made against you as the landlord or your employees. This coverage helps cover legal defense costs and damages if you’re accused of making false statements that damage someone’s reputation.

Malicious Damage: Provides coverage for damage caused intentionally by tenants or their guests, such as vandalism or destruction of property.


Vandalism and Graffiti: Protection against deliberate acts of vandalism and graffiti perpetrated by tenants, unauthorised individuals, or malicious actors. This coverage includes repairs to damaged property, removal of graffiti, and restoration of affected areas to their original condition.

Intentional Destruction: Coverage for damages caused intentionally by tenants or their guests, including destruction of walls, fixtures, appliances, or other property within the rental unit. This includes repairs or replacement costs for items damaged as a result of malicious acts.

Property Defacement: Protection against defacement of property caused by graffiti, offensive symbols, or unauthorised markings. This coverage extends to cleaning, repainting, or repairing surfaces to remove defacement and restore the property’s appearance.

Broken Windows and Doors: Coverage for damages to windows, doors, or entry points caused by vandalism, break-ins, or forced entry attempts. This includes repairs or replacement costs for broken glass, damaged frames, or locks compromised by malicious acts.

Tenant Retaliation: Protection against retaliatory acts by tenants, such as damaging property or fixtures in response to disputes or eviction proceedings. This coverage helps cover repair costs and losses resulting from tenant retaliation or malicious behavior.

Property Inspection and Security Measures: Some policies may include coverage for property inspections, security enhancements, or preventative measures aimed at reducing the risk of malicious damage. This proactive approach helps mitigate potential losses and protect your rental property from future incidents.

Emergency Repairs: Coverage for emergency repairs necessitated by malicious damage to prevent further property damage or secure the premises. This may include temporary repairs to windows, doors, or security systems to maintain the safety and integrity of the rental property.


Other coverages include:

  • Theft: Protects against theft or burglary at your rental property, including theft of fixtures, appliances, or other valuable items.
  • Rent Default: Offers coverage if your tenant fails to pay rent as agreed or abandons the property without notice, helping to bridge the gap until a new tenant is found.
  • Alternative Accommodation: If your rental property becomes uninhabitable due to covered perils, landlord insurance can cover the cost of temporary accommodation for your tenants while repairs are underway.

Remember: Coverage options and exclusions may vary depending on the insurance provider and policy terms. It’s essential to review your policy carefully and consult with an insurance professional to ensure you have the right coverage for your specific needs as a landlord.