We are independent & ad-supported. We may earn a commission for purchases made through our links.
Advertiser Disclosure
Our website is an independent, advertising-supported platform. We provide our content free of charge to our readers, and to keep it that way, we rely on revenue generated through advertisements and affiliate partnerships. This means that when you click on certain links on our site and make a purchase, we may earn a commission. Learn more.
How We Make Money
We sustain our operations through affiliate commissions and advertising. If you click on an affiliate link and make a purchase, we may receive a commission from the merchant at no additional cost to you. We also display advertisements on our website, which help generate revenue to support our work and keep our content free for readers. Our editorial team operates independently of our advertising and affiliate partnerships to ensure that our content remains unbiased and focused on providing you with the best information and recommendations based on thorough research and honest evaluations. To remain transparent, we’ve provided a list of our current affiliate partners here.

What is Landlord Protection Insurance?

Lainie Petersen
Updated May 17, 2024
Our promise to you
WiseGeek is dedicated to creating trustworthy, high-quality content that always prioritizes transparency, integrity, and inclusivity above all else. Our ensure that our content creation and review process includes rigorous fact-checking, evidence-based, and continual updates to ensure accuracy and reliability.

Our Promise to you

Founded in 2002, our company has been a trusted resource for readers seeking informative and engaging content. Our dedication to quality remains unwavering—and will never change. We follow a strict editorial policy, ensuring that our content is authored by highly qualified professionals and edited by subject matter experts. This guarantees that everything we publish is objective, accurate, and trustworthy.

Over the years, we've refined our approach to cover a wide range of topics, providing readers with reliable and practical advice to enhance their knowledge and skills. That's why millions of readers turn to us each year. Join us in celebrating the joy of learning, guided by standards you can trust.

Editorial Standards

At WiseGeek, we are committed to creating content that you can trust. Our editorial process is designed to ensure that every piece of content we publish is accurate, reliable, and informative.

Our team of experienced writers and editors follows a strict set of guidelines to ensure the highest quality content. We conduct thorough research, fact-check all information, and rely on credible sources to back up our claims. Our content is reviewed by subject-matter experts to ensure accuracy and clarity.

We believe in transparency and maintain editorial independence from our advertisers. Our team does not receive direct compensation from advertisers, allowing us to create unbiased content that prioritizes your interests.

Landlord protection insurance provides specialized coverage for owners of rental property. Since the insurance needs of landlords differ from those of regular homeowners, many insurance companies offer these specialized policies for investment property owners. Policies cover damage to multi-unit buildings as well as landlord-provided amenities and furnishings. In addition to liability and damage protection, landlord protection insurance may also offer other coverage, including lawsuits from disgruntled tenants who allege landlord-tenant law violations such as an inappropriate eviction or invasion of privacy.

Standard homeowner's insurance policies are typically not suited to the needs of landlords, particularly those who own buildings that house more than one rental unit. A typical landlord protection insurance policy covers multi-home buildings against damage caused by fire, some natural disasters, and vandalism. If a tenant, neighbor, or business visitor is injured in the building, the liability portion of the insurance may cover any losses. In situations where the landlord provides furnishings or appliances, landlord protection insurance may also offer coverage for these items. Landlord protection insurance does not, however, cover losses sustained by tenants. Renters' insurance, not landlord insurance, protects renters in case of a mishap.

In some places, such as the U.K., rent guarantee insurance is available. This is a form of landlord protection that recognizes the investment risks of landlording. If a tenant refuses to pay rent, this insurance can cover rent payments until the tenant can be evicted from the property. Without this insurance, a landlord may risk losing the property entirely if he does not have the income necessary to pay his mortgage.

Special circumstances faced by landlords may also include conflict with tenants. Some landlord protection insurance provides coverage for both a landlord and her partner or spouse from the fallout of landlord-tenant disputes. For example, a landlord may have to evict a tenant. This is typically a long and expensive court process. Landlord protection insurance may offer the landlord some coverage for the costs of an eviction. Similar coverage for medical bills and recovery time may be offered in cases where a tenant physically attacks the landlord. Other protections can include the coverage of court costs, judgments, and time off work in cases where a tenant sues a landlord for various reasons, including the accusation that a landlord entered the property when she shouldn't have, filed an improper eviction action against the tenant, or that the landlord has failed to maintain the property in accordance with local codes.

WiseGeek is dedicated to providing accurate and trustworthy information. We carefully select reputable sources and employ a rigorous fact-checking process to maintain the highest standards. To learn more about our commitment to accuracy, read our editorial process.
Lainie Petersen
By Lainie Petersen
Lainie Petersen, a talented writer, copywriter, and content creator, brings her diverse skill set to her role as an editor. With a unique educational background, she crafts engaging content and hosts podcasts and radio shows, showcasing her versatility as a media and communication professional. Her ability to understand and connect with audiences makes her a valuable asset to any media organization.
Discussion Comments
Lainie Petersen
Lainie Petersen
Lainie Petersen, a talented writer, copywriter, and content creator, brings her diverse skill set to her role as an...
Learn more
WiseGeek, in your inbox

Our latest articles, guides, and more, delivered daily.

WiseGeek, in your inbox

Our latest articles, guides, and more, delivered daily.