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Owning rental property is a big investment. Stay protected without spending more than necessary on landlord insurance. See how much you can save on your existing policy in minutes. No phone calls. No back-and-forth with insurance brokers.*

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*Quotes and insurance FAQs are provided by Steadily, insurance specialists for real estate investors

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With our integrated insurance quote feature, there’s no need to leave Stessa, pick up the phone, or fill out complex paperwork. Take a few minutes and put Steadily to the test today. Get a quote directly in Stessa.

Already covered? Many carriers allow you to cancel anytime to receive a prorated refund. You can shop around and start saving money today, regardless of when your policy is up for renewal. Quotes and policies are from Steadily, a tech-enabled national landlord insurance provider.

Landlord Insurance FAQ

Are landlord and homeowners insurance policies the same? No.

Landlord insurance is specifically for owners who rent out a property. It typically covers the value of the improvements, along with liability protection and coverage of rental income losses.

The cost of an investment property insurance policy can be about 25% more than a homeowners insurance policy, but that’s not always the case. The only way to know how your cost will compare is to get a quote!

Is landlord insurance required? Maybe.

Many mortgage companies and lenders may require that you have a landlord insurance policy on a rental property. This is different from a homeowners policy, which may not cover you if you are renting out the property.

Collecting on a claim for a tenanted rental investment property could be difficult if the home was covered by a regular homeowners policy at the time of loss.

How can I reduce my landlord insurance costs? Some ideas:

To potentially reduce premiums, make repairs promptly, install safety devices such as burglar alarms, carbon monoxide detectors, and 10-year lithium ion smoke detectors. Make sure your insurer is aware of any new additions or significant quality upgrades like new kitchens and bathrooms.

Get free quotes regularly to compare coverage amounts and premiums.

How often should I review my landlord policy? At least annually.

Review your policy at least every year (or better yet twice a year) and pull an updated quote if rents have changed, you’ve added square footage, or you’ve made meaningful safety upgrades to your property.

Create a free Stessa account to get automatic reminders about expiring policies and opportunities to save.

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The insurance instant quote is powered by Steadily, an insurance producer licensed in all fifty states and Washington, DC. Stessa is not authorized to sell, solicit, or negotiate any underlying insurance being sold or perform any activities that would otherwise require a license or authorization by any state, local or other governmental regulator.

All insurance products, sales and information are solely provided by Steadily. Steadily Insurance Agency, Inc is licensed in all 50 states and Washington, DC under the national producer number (NPN) 19627533. You can verify the individual license status for any state using Sircon and NIPR

As a resource to investors, Stessa may provide contact information or links to lending, insurance, property management, or other financial or professional service providers. In providing this information, Stessa does not recommend or endorse any third-party provider nor guarantee their services. Stessa may receive compensation or other financial benefits from service providers that market on this site, as authorized by law.