Landlords Insurance

 A landlord insurance policy generally covers standard perils such as fire, lightning, explosion, earthquake, storm, flood, escape of water or oil, subsidence, theft, and malicious damage. Each policy is different and may include some or all of these items. Optional coverage can include accidental damage, malicious damage by tenants, terrorism, legal protection, alternative accommodation costs, contents insurance, rent guarantee insurance, and liability insurance.

Landlords’ insurance policies do not cover any personal property belonging to tenants or protect tenant interests directly. However, a landlord’s liability policy can benefit tenants if they suffer a loss for which the landlord is legally responsible.