Landlord Insurance · By Property & Structure

The Coverage Compass

Which policies actually apply depends on what you own and how you own it. Answer a few questions and get the coverage types worth asking your broker about — in plain language, not insurance jargon.

Step 01

What type of property is it?

Changes whether you need a personal-lines or commercial-lines policy.

Step 02

How is the property held?

Affects who needs to be named on the policy, and how liability separation works.

Step 03

What else is true?

Check all that apply — each can add a specific coverage type.

Financed with a mortgage On-site manager or staff In a mapped flood zone High fire-severity zone Part of a multi-property portfolio Built before 1978 / older building Short-term or vacation rental use