Landlord Insurance: Compare Options

On this page

• Which insurance route fits your rental?
• Before any quote: disclose the real use and clear the gates
• What a landlord policy actually needs to cover
• How we chose these options
• How the options compare
• Steadily: best fit for a landlord-first digital quote
• Proper: best fit for dedicated short-term-rental risk
• How to compare quotes apples to apples
• Choosing landlord insurance at a glance
• When to start with a licensed independent agent instead
• When to reopen the landlord-insurance decision
• Frequently asked questions
• Build the Quote Packet before the quote

Which insurance route fits your rental?

The short answer. The right landlord-insurance route depends first on occupancy and rental use, not the brand name. A home on a conventional twelve-month lease, a dedicated short-term rental with weekly guest turnover, and an owner-occupied home share are different risks, and they call for different policy structures. Rental Income HQ's decision rule for this page is conditional, not a ranking: route a conventional long-term rental toward a landlord-specialist quote, route a dedicated short-term rental toward specialized commercial or home-sharing coverage, and route any complex or unusual risk to a licensed independent agent — then verify the actual carrier, policy form, limits, deductibles, and exclusions on every quote before you compare price. Three criteria decide the route: how the property is actually occupied and rented, how complex or catastrophe-exposed the risk is, and whether a quote will identify its carrier, form, and exclusions in writing. One condition overrides all three: if the property will host short-term stays, local legality, HOA or condo permission, lender terms, and written disclosure to your current insurer all come before any quote.

One gate comes before any quote. If the property will host short-term stays, confirm the city, county, and state short-term rental rules, your HOA or condo restrictions, and your lender's terms first. Insurance availability does not make a rental legal. And if you have not yet chosen between a long-term lease and short-term hosting, work through the Airbnb vs. long-term rental decision before shopping coverage — the insurance route follows the use, not the other way around.

Where to start, in one pass:

• Start with a Steadily quote if the property runs on conventional long-term leases and you want a landlord-specific digital process you will still verify carrier by carrier. Not a fit for complex hospitality risk, large commercial property, or any quote that does not clearly identify the carrier and policy form. Verify the underwriting insurer, form, catastrophe deductibles, vacancy treatment, and exact coverage on the quote.
• Start with a Proper quote if the property operates as a dedicated short-term rental with guests, amenities, and booking revenue, and the local legality check is already done. Not a fit for a straightforward long-term rental with no hospitality exposure. Verify the named underwriter, state placement, and the written treatment of direct bookings and listed amenities.
• Start with a licensed independent agent if the property is catastrophe-exposed, vacant or under renovation, larger, mixed-use, owner-occupied with home sharing, or carries prior losses. Not a fit for postponing a simple conventional-rental comparison you could run today. Verify the agent's license and each proposed carrier through your state insurance department.
• Choose neither yet if short-term-rental legality, HOA or condo permission, lender terms, or written disclosure to your current insurer is unresolved. Clear the gate before requesting any quote.
• Get a licensed insurance professional involved whenever a quote cannot identify its carrier, policy form, and exclusions in writing.
• Whichever line fits, the first action is the same: build one quote packet with identical inputs, and get every answer in writing before you compare a single premium.

Before any quote: disclose the real use and clear the gates

Before you request a single quote, put the property's real use on paper: actual occupancy, lease or stay length, any personal use, vacancy or renovation status, property type and unit count, amenities such as pools or hot tubs, gross rental income, loss history, and the exact named insured on the deed. Disclose that use in writing to your current insurer and to every prospective one. Renting out a home does not automatically end a homeowners policy, but rental use can be excluded or limited under the policy's terms, can affect renewal, and can require different underwriting — which is why the landlord insurance vs. homeowners insurance decision comes before provider shopping, and why confirmation belongs in writing rather than in a phone summary.

If the home is currently insured as owner-occupied, the disclosure conversation is also a transition plan. Ask the current insurer, in writing, whether the existing policy can be endorsed for the new use or must be rewritten on a different form, and when any change takes effect. Then line up the effective dates so the old coverage does not lapse before the new policy binds — a tenant move-in date, a closing date on an inherited property, or the first booked stay is the deadline the paperwork has to beat, and a gap between policies is a risk no premium savings offsets.

Short-term and mixed-use readers carry extra gates: local permission and permits, HOA or condo restrictions, lender terms, and lodging or occupancy-tax registration all come before insurance optimization. Lodging, sales, and occupancy taxes are separate obligations with separate registrations, and mixed personal-and-guest use is a question for a CPA rather than an insurance agent. Platform programs do not close the coverage gap either: Airbnb states that AirCover for Hosts is not a substitute for personal insurance and tells hosts to ask their own insurer how, or whether, the two overlap. Airbnb also states that its host damage protection is not an insurance policy, and that its host liability insurance does not insure hosts for damage or loss to their own property — which is the whole building, for a rental owner.

Two ownership details are easy to miss. Your loan documents may set their own coverage requirements and mortgagee-listing rules, so read them before binding anything. And the named insured should match how title is actually held; if the property sits in an LLC, align the policy with the entity before renewal. Moving title into an entity can also trigger the loan's due-on-sale or transfer restrictions, so read that clause and talk to a real estate attorney before recording anything — an LLC does not replace insurance, and the rental property LLC analysis covers the lender, tax, and transfer questions that decision raises.

First action. Build one Quote Packet and reuse it everywhere: the same address, construction details, roof age, systems, replacement-cost estimate, occupancy, rental duration, income, amenities, loss history, requested limits, and deductibles for every quote. Then request declarations pages or specimen forms — or written coverage confirmation — before you compare any prices. Insurance is one step in the larger setup sequence in how to rent out your house; this packet is the step that makes the quotes comparable.

What a landlord policy actually needs to cover

Landlord coverage goes by several names — landlord policy, dwelling fire policy, rental dwelling policy — and the forms vary. NAIC consumer guidance explains that landlord policies commonly protect the building, property the owner keeps on site for the rental, rental income lost after a covered loss, and the owner's liability — and that a tenant's belongings are the tenant's own renters policy's job, not the landlord policy's. "Commonly" is the operative word: what any policy actually covers comes from its current contract, endorsements, exclusions, limits, and the facts of the loss, not from a category description or a marketing page.

Use the fields below as the comparison baseline. Do not assume every item is standard on every quote; each one is either present, excluded, limited, or available by endorsement, and the quote should say which.

Coverage field	What it addresses	What to check on the quote
Dwelling / building	Rebuilding the insured structure after a covered loss	Valuation basis and limit vs. reconstruction cost
Other structures	Detached garages, fences, outbuildings	Included limit and any use restrictions
Landlord-owned contents	Appliances, furnishings the owner supplies	Limit and valuation basis, especially if furnished
Premises / business liability	Injury and property-damage claims tied to the rental	Per-occurrence limit, exclusions, defense-cost treatment
Loss of rent / business income	Rental income lost after a covered physical loss	Trigger, limit, period, waiting time, income documentation
Causes of loss	Which perils the form covers	Form number on the quote; named-perils vs. exclusions-based; exclusions list
Coinsurance / insurance-to-value condition	Whether the form ties a partial-loss payment to insuring at a stated percentage	Whether the form carries one, at what percentage, and how your dwelling limit compares
Water backup	Sewer or drain backup damage	Usually an endorsement; limit and sublimits
Ordinance or law	Code-upgrade costs during covered repairs	Whether included and at what percentage or limit
Theft / vandalism	Losses during turnover and vacancy	Coverage during vacancy and any occupancy conditions
Vacancy / renovation status	Eligibility and exclusion triggers	Written treatment of your actual status
Equipment breakdown	Systems failures outside standard perils	Endorsement availability
Flood, earthquake, wind	Perils commonly handled separately	Which separate policies apply; NFIP residential limits of $250,000 building and $100,000 contents, its 30-day waiting period, and its exclusion of business-interruption loss (checked August 10, 2026)
Umbrella / excess liability	Limits above the underlying policy	Coordination with the landlord policy's limits

Deductibles deserve the same attention as limits, because they are the risk you keep. Most policies carry a flat dollar deductible for ordinary perils, but wind, hail, named-storm, or earthquake deductibles are often written as a percentage of the dwelling limit rather than a fixed amount — and on a high dwelling limit, a percentage deductible can represent far more retained exposure than the base deductible suggests. Ask each quote to state every deductible in dollars for your specific limits, and treat a quote that lowers its premium mainly by raising a catastrophe deductible as a different product, not a cheaper one. Liability limits deserve one question of their own: if you need a higher limit than the underlying policy offers, ask whether that limit is available on the policy itself or only through a separate umbrella, and what underlying limit an umbrella would require you to carry.

Two definitions decide more claims than any brand choice. First, valuation basis: NAIC shopping guidance explains the difference between actual cash value, which pays depreciated value, and replacement cost, which pays to repair or replace at today's prices — compare quotes on the same basis. Second, breadth language: a form marketed as "all-risk" is an exclusions-based contract, meaning it covers what it does not exclude, so the exclusions list is the real boundary of coverage. Landlord property coverage is often written on a dwelling fire form, and a quote may show a form designation such as DP-1, DP-2, or DP-3. Those are not interchangeable products. A DP-1 form is the narrowest, covering only perils it names; a DP-3 is normally written on the exclusions basis described above; a DP-2 sits between them. Ask which form number is on your quote, whether it is written on a named-perils or an exclusions basis, and for the specimen form — that one question tells you more than any coverage summary.

The flood gap that breaks the loss-of-rent comparison

Flood is the standing example of a separate peril, and for a rental owner it is also the place where the income protection you compared so carefully does not apply. FEMA's National Flood Insurance Program states that most homeowners and renters insurance does not cover flood damage, that NFIP residential policies cover the building up to $250,000 and contents up to $100,000 while commercial policies cover $500,000 each, that coverage takes effect 30 days after purchase apart from four narrow exceptions — one of which is buying at mortgage origination — and that NFIP policies do not cover financial losses caused by business interruption. Read that last item as a landlord: an NFIP flood policy does not replace lost rent. NFIP also states that its rates do not vary by provider, so this is the one policy in the stack that there is no point shopping. Three consequences follow. Buy flood early enough for the waiting period to expire before your tenant's move-in date or first booked stay. Compare the NFIP building limit against your actual reconstruction cost rather than assuming it is enough. And ask every landlord-policy quote, in writing, whether any flood-related loss of rent is covered at all, and under which policy.

How we chose these options

This is a conditional fit shortlist, not an exhaustive market ranking, and it uses no numeric scoring, stars, or weighted rubric — the best-fit labels are Rental Income HQ editorial judgments built from the documented evidence below, applied the same way to every option.

To be included in this version, an option had to clear the same gates as of July 23, 2026: it addresses a rental owner's property-and-liability insurance need (not an adjacent software or service category); its coverage, availability, legal entity, and claims route are documented on current official pages; its role in the transaction — agency, intermediary, or underwriting insurer — can be stated clearly; and its quote process supports the common field set used in the comparison worksheet on this page. Inclusion is independent of any commercial relationship, and provider marketing claims are attributed, never adopted as editorial fact. The same source depth applies to both options: each is evidenced from its own coverage, availability, entity, and claims documentation, and where a fact is not publicly documented for one of them, the comparison labels the gap instead of papering over it. Every provider-stated fact carries its as-of date, and the policy documents always override the marketing copy.

Considered but not included, with the gate each failed as of July 23, 2026: platform protection programs, because they are platform benefits rather than insurance products with independently documented coverage terms and claims routes, so they appear only as a caution in the gate section; generic homeowners carriers, because their current landlord or short-term-rental products were not documented to this page's evidence standard for this version; quote marketplaces, because who receives the lead and how carriers are selected was not documented; and any candidate lacking current first-party documentation of coverage, availability, legal entity, and claims route. Provider facts on this page are rechecked at least quarterly, and immediately before any material update, with the displayed as-of date changed only after substantive re-verification.

How the options compare

Provider facts in this section are provider-stated and are not independently audited. Coverage, liability-limit, underwriter, and availability facts were re-checked August 10, 2026; legal-entity and claims-route facts carry their original July 23, 2026 check. The quote and the policy control.

Who actually insures you: the Carrier Chain

Compare the insurer and policy form on the declarations page — not only the company running the quote website. The brand you click is often not the company that pays claims, and the chain from brand to agency to carrier matters when you compare financial strength, licensing, and complaint records.

Role	What it is	Who holds the obligation	What it changes for your decision
Brand / quote website	The consumer-facing name and interface	No insurance obligation by itself	Convenience, not coverage
Agency or broker	Licensed intermediary selling policies	Owes licensing and conduct duties; does not assume the risk	Verify the license; ask which carriers it places with
MGA / coverholder	Intermediary with delegated underwriting authority	Acts for the carrier under contract	Ask who has claims and underwriting authority
Underwriting insurer (carrier)	The legal entity on the declarations page	Assumes the risk and pays covered claims	Check its license or placement, financials, and complaints
Platform protection program	A booking platform's benefit terms	The platform, under its own terms	Not a substitute for a property and liability policy

One distinction inside that chain decides what happens if the carrier fails. NAIC explains that the surplus lines market is made up of non-admitted specialist insurers — U.S.-domiciled companies, Lloyd's syndicates, and non-U.S. insurers on NAIC's alien-insurer listing — writing risks the admitted market will not take, and that surplus lines transactions are placed through separately licensed surplus lines brokers. The consequence for you is specific: state guaranty funds are financed by admitted insurers and pay claims when an admitted insurer becomes insolvent, and that protection is not available on a surplus lines policy. NAIC also notes that surplus lines insurers' insolvency rate is historically low, so this is a fact to price into the decision rather than a reason to refuse the market — but it does mean the carrier's own financial strength carries more weight when the guaranty fund is not standing behind it. Ask which it is on every quote, and confirm your own state's guaranty-fund scope with its insurance department, because the fund is a state-by-state mechanism. (NAIC page last updated October 27, 2025; checked August 10, 2026.)

If a quote does not identify the carrier and policy form, treat both fields as not verified and ask before paying.

The comparison matrix

Field	Steadily	Proper	Licensed independent agent (route)
Best-fit use (editorial)	Conventional long-term rental; landlord-first digital quote; provider also advertises short-term-rental coverage	Dedicated short-term rental, vacation rental, or hospitality-style guest exposure	Complex, catastrophe-exposed, vacant, renovating, mixed-use, or loss-affected risk
Role in the transaction	Agency with an affiliated insurer; the carrier on your quote may be either	Intermediary; provider states delegated underwriting authority from its named underwriter	Independent intermediary placing with multiple markets; never the carrier
Business identity	Steadily Insurance Agency, Inc.; Steadily Insurance Company is a separate Arizona-domiciled insurer; the carrier on your quote may vary	Proper Insurance Services, LLC; current pages list Lloyd's of London and Concert Specialty / Concert Insurance Group as underwriters and state an exclusive Vrbo endorsement — a platform relationship, not a coverage term	Varies by agency; verify the license through your state insurance department
Availability	Provider states landlord insurance in all 50 states; features remain subject to underwriting and state availability	Provider states availability in all 50 states and Washington, D.C.	Varies by agent and by which markets will write your state and property
Price basis	Quote required; no comparable public premium	Quote required; no comparable public premium	Quote required; compensation structure varies — ask how the agent is paid
Core coverage stated	Fire, certain water losses, storm and hail, liability, loss of rent, vandalism and burglary, civil commotion	Building, contents, commercial general liability, business revenue, with guest- and amenity-related enhancements stated	Depends entirely on the markets accessed; ask for the form on each proposal
Not covered without a separate policy or endorsement	Provider states flood from rising water requires separate coverage; the rest of the exclusions live in the form — ask for it	Not itemized on the provider's public pages; ask for the exclusions list and the specimen form before you bind	Varies by market and form; ask for the exclusions list on every proposal
Liability	Provider states limits from $300,000 to $2 million per occurrence are built into every landlord policy	Provider states $1 million commercial general liability standard, with a $2 million option	Varies by market and form
Income protection	Loss of rent after a covered loss; limit, period, and waiting time not publicly stated — confirm each on the quote	Business-revenue coverage with actual-loss-sustained language stated — meaning the policy pays the income you actually lose and can document — and the provider states no time limit on that coverage; confirm the limit and documentation requirements on the quote	Varies by market and form
Financial-strength rating	Not publicly stated for the carrier that will appear on your quote; verify the named insurer's rating and complaint record yourself	Provider states AM Best ratings of A+ for Lloyd's and A− for Concert (checked August 10, 2026); those belong to the underwriters, not to Proper, and each should be confirmed with the rating agency rather than the marketing page	Varies by carrier; verify each proposed insurer separately
Claims route	Online or phone claim reporting stated	24/7 claims contact stated; confirm the administrator on the policy	Through the placing carrier; ask who adjusts before you bind
Key caution	Carrier, form, and features vary by quote; national availability is not identical terms	Specialized short-term-rental focus; underwriter, form, and state placement must be confirmed on the quote	The agent is not the carrier — every proposed insurer needs its own license, financial, and complaint check

How to read this: everything above the caution row is either provider-stated (attributed to the provider's current page), labeled as varying, or quote-required, and no cell implies availability or price the sources do not state. Do not rank these routes by anecdotal premiums — they serve different primary uses, and premiums move with property, limits, deductibles, and underwriting. The rows that most often decide the outcome are the ones people skip: whether the liability limit includes or sits beside defense costs, and how the income protection defines its trigger, limit, period, and waiting time. Both of those live in the policy form, which is exactly why the profiles below end in verification questions rather than verdicts.

Steadily: best fit for a landlord-first digital quote

Steadily fits an owner with one to several conventional long-term rentals — single-family homes, condos, or small multifamily — who wants a landlord-specific digital quote process and broad residential property-type appetite. It is a sensible first quote for the accidental landlord who just moved out and leased the home, and for the small investor comparing a specialist against a local agent's markets.

The provider-stated facts and their sources sit in the matrix above, re-checked August 10, 2026. The one worth pulling out here is structural rather than about coverage: Steadily's own legal disclosures identify an agency licensed in all 50 states and Washington, D.C. alongside a separately domiciled insurance company under the same brand. So the carrier on your quote may be Steadily's own company or another insurer entirely, and only the declarations page settles which. Everything else remains subject to underwriting, state availability, and the policy's own terms.

The practical question for this route is not whether the digital process is convenient — it is whether your property is simple enough for a fast quote to price it accurately. A stabilized single-family rental with a recent roof, standard construction, and no losses usually is. A property with older systems, partial renovation, unusual construction, or a claims history often is not, and the quote flow's answers to those facts matter more than its speed. Whatever the flow asks, answer from the Quote Packet you built above, and treat the quote-screen summary as a preview: the declarations page and policy form are the contract, and they are what you compare.

Not ideal for: complex hospitality operations, unusual amenities, large commercial multifamily, catastrophe-constrained markets where placement is difficult, or any situation where the quote does not clearly identify the carrier, form, exclusions, deductible structure, and claims administrator.

Confirm before you pay:

• The underwriting insurer's exact name and NAIC number, the policy form identifier, and whether the policy is admitted in your state or placed through surplus lines.
• Replacement cost or actual cash value, and the wind/hail or named-storm deductible in dollars.
• How vacancy, renovation, and the water-versus-flood boundary are treated in writing, including whether any flood-related loss of rent is covered.
• The loss-of-rent limit, period, and waiting time, plus who administers claims and the cancellation and nonrenewal terms.

Revisit this option when: the property stops being simple — a renovation starts, a claim is filed, the roof or major systems are replaced, or the use shifts toward short-term stays.

If the fit holds, request a property-specific quote and compare it against at least one other written quote on identical inputs. And if this is your first long-term tenant, run the first-time landlord checklist alongside the insurance step so the lease, screening, and make-ready work land in the right order.

Proper: best fit for dedicated short-term-rental risk

The regulation gate comes first: confirm the local rules, permits, HOA or condo restrictions, lender terms, and tax registrations covered in the gate section above before optimizing short-term-rental coverage. A specialized policy does not make hosting legal.

With that cleared, Proper fits a dedicated short-term rental, vacation rental, or mixed personal-and-guest property where the exposures are hospitality-shaped: constant guest turnover, direct and platform bookings, amenities like pools and hot tubs, owner-supplied furnishings, and real booking revenue at stake when the property goes offline.

Where this route differs most from a conventional landlord policy is the underwriting chain, and that is worth reading closely. Proper's current pages name Lloyd's of London and Concert Specialty / Concert Insurance Group as the underwriters behind its short-term-rental policy (re-checked August 10, 2026). Lloyd's syndicates write in the U.S. surplus lines market, so ask directly whether your placement is admitted or non-admitted and read the guaranty-fund point above before you decide what that is worth. Proper's marketing describes its coverage in strong terms; treat those as the provider's claims about itself, verified only by the quote and policy documents for your property.

That structure also explains the cost question this page cannot answer with a number. A commercial general liability form priced on hospitality exposure and a dwelling fire form priced on tenant occupancy are different products answering different sets of claims, so a higher short-term-rental premium is not a markup on the same coverage. Compare what each form covers before you compare what each one costs.

Mixed personal-and-guest use is the boundary case to handle carefully. Proper's stated appetite includes properties with both owner use and paying guests, but the seam between personal occupancy and guest occupancy — which coverage applies during your own stays, between bookings, and when a guest is present — is precisely the detail no marketing page can settle for your property. If you live in the home and host, get that seam confirmed in writing on any quote you consider, and treat the independent-agent route in the section below as the default starting point rather than a fallback. The same discipline applies to business-revenue coverage: it is only as strong as the income you can document, so know what booking records the policy requires before you rely on the limit.

Not ideal for: a straightforward long-term rental with no hospitality exposure, where a conventional landlord form may fit better; properties outside the stated appetite, such as complex commercial risks; and any property whose local short-term-rental legality is unresolved.

Confirm before you pay:

• The exact underwriter on your quote and its license or placement status in your state — ask specifically whether the policy is admitted or placed through surplus lines, because guaranty-fund protection does not follow a surplus lines policy.
• The commercial general liability limits and how defense costs are treated.
• The written treatment of guest-caused damage, direct bookings, owner personal use, and each listed amenity, plus the availability and terms of any endorsements you may need — liquor, pet, bed bug, or squatter-related coverages are examples Proper markets.
• The business-revenue limit, period, and documentation requirements; catastrophe deductibles; and cancellation terms.

Revisit this option when: the use or personal-use pattern changes, you add or remove an amenity the policy prices separately, the underwriter or placement status changes at renewal, or your local permit conditions change.

If the fit holds, request a property-specific quote and put it next to at least one independent-agent quote from a market that writes short-term rentals, using the same packet for both.

How to compare quotes apples to apples

A lower premium is not cheaper if it comes with a higher catastrophe deductible, a lower replacement-cost basis, narrower causes of loss, or a weaker loss-of-rent limit. NAIC consumer guidance makes the shopping method explicit: premiums move with the property, coverage levels, deductibles, and the insurer's own pricing, so comparisons only mean something when the coverage levels match. That is what the Identical-Inputs Worksheet below enforces — one set of inputs, held identical across every quote.

Input	Hold identical across quotes	Why it matters
Address and protection class	Exact address and ZIP; fire-service details if requested	Drives fire and catastrophe underwriting
Property type, units, occupancy	Single-family, condo, 2–4 unit, or larger; owner-occupied or not	Determines eligibility and form
Rental use	Lease length; short-term nights and channels; personal use	The core exposure gate
Construction, year, roof, systems	Same verified property details	Prevents input-driven quote gaps
Replacement-cost estimate	Same reconstruction basis — not market value	Normalizes the dwelling limit
Owner contents	Same amount and valuation basis	Decisive for furnished properties
Rental income / business revenue	Same annual amount and seasonality assumptions	Normalizes income protection
Liability and umbrella coordination	Same requested limits	Prevents a false "cheapest" result
Property deductible	Same all-other-peril amount	Premium vs. retained-risk trade-off
Catastrophe deductibles	Same wind/hail, named-storm, earthquake basis	Percentage deductibles can dominate out-of-pocket exposure
Endorsements	Same water backup, ordinance, equipment requests	Avoids missing-cost comparisons
Vacancy, renovation, amenities	Disclose exact facts; request written treatment	Common eligibility and exclusion triggers
Loss history	Same dates, causes, amounts, status	Material underwriting input
Named insured	Match the deed, entity, and lender requirements	Avoids ownership mismatch at claim time

What a cheaper premium can actually cost: a worked example

The premium is not the only number you pay. The full annual cost of a policy is the premium plus taxes, fees and surcharges, the cost of the endorsements you requested, any separate flood premium, and the deductibles you retain if you claim. The last of those is the one that moves most, because a catastrophe deductible written as a percentage scales with your dwelling limit while a flat deductible does not.

The table below multiplies that out. Two inputs are assumed so the arithmetic is visible — a flat all-other-peril deductible of $2,500 and named-storm deductibles at 1, 2 and 5 percent — and one is yours: the dwelling limit.

Deductible structure	Low: $250,000 dwelling limit	Base: $400,000 dwelling limit	High: $750,000 dwelling limit
Flat all-other-peril deductible (assumed)	$2,500	$2,500	$2,500
Named-storm deductible at 1% of the dwelling limit	$2,500	$4,000	$7,500
Named-storm deductible at 2%	$5,000	$8,000	$15,000
Named-storm deductible at 5%	$12,500	$20,000	$37,500
Extra cash you keep at risk at 2% instead of flat	$2,500	$5,500	$12,500
Extra cash you keep at risk at 5% instead of flat	$10,000	$17,500	$35,000
What this is not	Not a quote, not a premium estimate, not a market average	Not a projection of what a storm will cost you	Not a claim that any of these structures is typical

The single line driving the whole spread is the bottom two rows, and it is a structural choice rather than a price. Premium differences between genuinely comparable quotes are usually a matter of a few hundred dollars a year; every figure in those two rows is larger than that, and it lands in one event rather than across twelve months. So do this multiplication on your own quote before you compare premiums: take the percentage off the declarations page, multiply it by your dwelling limit, and write the result next to the premium. If the cheaper quote is cheaper because the percentage is higher, it is not cheaper — it is a different product.

Then move the comparison off the quote screen and into documents. Ask for the declarations page or a specimen policy form, and send every agent or underwriter the same Written-Confirmation Script:

Please confirm in writing that this policy is intended for the property's stated rental use and occupancy pattern; identify the underwriting insurer and policy form; list the dwelling, contents, liability, and income limits; explain every deductible, exclusion, and the treatment of vacancy and guest-caused damage; state whether direct bookings and the listed amenities are covered; identify who receives and adjusts claims; and tell me which separate flood, earthquake, wind, or umbrella policies I should evaluate.

Quotes will not always line up, and that is information, not failure. If one market cannot match a requested endorsement, limit, or deductible, do not quietly drop the field — record the difference next to the premium and weigh it explicitly, because an unmatched field is a coverage gap with a price of its own. Keep the comparison in one place: a single side-by-side of the worksheet fields with each quote's written answers, filed with whichever policy you bind. That document is what you will reach for at renewal, after a loss, or when a future quote claims to be cheaper.

Ask for written confirmation that the stated rental use, occupancy pattern, amenities, and named insured are covered — a verbal "that's fine" does not survive a claim dispute. Before binding, run the company through the NAIC's complaint-research guidance using the actual underwriting insurer's name, not the brand's, so the complaint and financial data you check belong to the entity on your declarations page.

Choosing landlord insurance at a glance

The same gate applies here as everywhere on this page: no short-term-rental pick is actionable until the local rules, HOA or condo, lender, and insurer-disclosure checks are done.

Your situation	Shortlist move	Not ideal when	Jurisdiction dependency	Ask before you buy	Evidence still needed	Next action
1–3 long-term rentals, self-managed	Steadily quote + one independent comparison quote, same packet	Older systems, active renovation, or prior losses	Admitted vs. surplus lines; your state's licensing and complaint records	Who is the carrier, and what is the form number?	The carrier and form on your own quote — no public page settles it	Build the Quote Packet; request two written quotes
Dedicated short-term rental, permits in hand	Proper quote + one agent quote from an STR-capable market	Legality, HOA, or lender permission is unresolved	Local permit conditions; the underwriter's placement in your state	Are direct bookings and each amenity covered in writing?	Whether your placement is admitted or surplus lines in your state	Confirm the permit first, then quote both on the same packet
Owner-occupied with paying guests	Independent agent first; specialized STR quote as one input	The property is not owner-occupied	Local owner-occupancy and home-share rules; HOA or condo terms	Which policy governs during your own stays, between bookings, and with a guest present?	The personal-and-guest seam — not resolvable from any public page	Get the personal/guest seam answered in writing before comparing price
Coastal, wildfire, vacant, renovating, or prior losses	Independent agent across multiple markets	You have a simple stabilized rental you could quote today	Whether your state runs a residual-market plan, and whether it writes rentals	Which markets will actually write this risk, and at what catastrophe deductible?	Whether your state's plan writes non-owner-occupied property — see the state table below	Ask the agent and your state insurance department about last-resort options
Out-of-state owner	Agent with in-state market access, or a specialist quote plus one in-state comparison	You live near the property and handle it yourself	Carrier inspection and local-contact rules in the property's state	Who inspects, who reports a loss, and how is vacancy treated?	Each market's local-contact requirement — carrier-specific, rarely published	Ask each market its local-contact requirement before quoting
Converting a primary residence to a rental	Written endorse-or-rewrite answer from the current insurer, then two comparison quotes	The property is already insured as a rental	State rules on midterm policy change and cancellation	When does the use change take effect, and does the loan's coverage requirement change?	Your insurer's written endorse-or-rewrite position and its effective date	Send the written disclosure today; bind before the move-in date

Score every quote against the same Written-Confirmation Script above — no provider gets a shorter list, and the answers belong in writing.

When to start with a licensed independent agent instead

Some properties should skip the online-quote routes entirely and start with a licensed independent agent: large or mixed-use buildings, unusual construction or hazards, active renovation or extended vacancy, coastal wind or wildfire zones where markets are constrained, owner-occupied home sharing with layered personal and commercial exposure, a difficult loss history — or simply a situation where neither provider will confirm the needed form and endorsements in writing. Rental Income HQ's decision rule for these cases is blunt: an unresolved risk goes to a professional who can access multiple markets.

An independent agent is not a ranked provider on this page and carries no commercial relationship here; it is the correct route when the risk cannot responsibly be reduced to two online candidates. Bring the agent the same Quote Packet as everyone else, plus what a harder placement needs: photos, loss runs — the claims history your prior insurers can produce for the property — the renovation scope and timeline if work is underway, and the specific written confirmations you require before binding. If the property is vacant or mid-renovation, ask by name about a vacancy permit endorsement, which restores coverage a vacancy clause would otherwise suspend, and about a builder's risk policy, which covers a structure during construction rather than in service. A standard landlord form is where vacancy exclusions bite hardest. Then hold the agent's proposals to the same worksheet and script as any other quote. What this route never justifies is the alternative some owners drift into: operating uninsured, or describing the property's use inaccurately to get a policy issued. Both leave you worse off at claim time than any premium difference could.

Confirm before you engage:

• Which markets the agent can actually access for your state, property type, and occupancy, and whether any of them are surplus lines.
• How the agent is compensated on each proposed placement, and whether that differs by carrier.
• What the placement will require from you: photos, loss runs, renovation scope and timeline, and inspection access.
• Whether a vacancy permit endorsement or a builder's risk policy applies to your situation, and for how long each would run.

Revisit this option when: the risk simplifies — the renovation finishes, the property stabilizes under a lease, or a loss ages out of the underwriting window — and a conventional comparison becomes worth running again.

When the market says no: residual markets and nonrenewal

If no voluntary market will write the property, the next question is whether your state runs a residual market. NAIC explains that FAIR plans — Fair Access to Insurance Requirements plans — are state-mandated property insurance programs for owners who cannot obtain coverage in the regular market, that they are backed by the private insurers licensed in that state, and that as of October 2024 thirty-three states had some form of residual-market plan, with beach and windstorm plans operating as a coastal variant. NAIC also names the landlord-critical limitations: these plans are typically more expensive and narrower than regular-market coverage, usually cover the dwelling at minimum with contents and other structures as optional add-ons, and generally do not offer loss of use or personal liability coverage — which for a rental owner means the two things beyond the building that a landlord policy exists to provide may not be there at all.

Two cautions before you count on this route. Availability, structure, coverage, limits, and eligibility differ by state — the table below names the plan in each state but does not resolve what it will cover for you. And these are residential programs: eligibility for non-owner-occupied rental property is set state by state and must be confirmed with the plan itself, never assumed. Plans of last resort also commonly require documented declinations from the voluntary market before they will write at all, so ask what proof your state's plan needs before you start collecting it.

Nonrenewal is the same problem arriving on a schedule. A nonrenewal or cancellation notice is not a renewal negotiation; it is a deadline. The replacement search starts on the notice date, not the expiry date, because a constrained market can take weeks to produce a single willing quote and a lapse mid-tenancy exposes you and may breach your loan's coverage requirement. If a notice arrives, pull the Quote Packet, call an agent the same week, and ask your state insurance department what last-resort options exist before the policy runs out.

There is a floor underneath all of this, and it is worth knowing before you reach it. If the policy lapses and the property carries a loan, the servicer can buy coverage and bill you for it. The Consumer Financial Protection Bureau states that a servicer may require force-placed insurance when you have no policy of your own or your policy does not meet the mortgage contract's requirements, that in many instances this insurance protects only the lender rather than you, and that it is usually more expensive than a policy you find yourself (CFPB page last modified March 12, 2025; checked August 10, 2026). For a rental owner the gap is wider than for an owner-occupant, because a policy written to protect a lender's interest is not written to replace your rent or defend a liability claim against you. And if no voluntary market and no residual-market plan will write the property at a price the property can carry, the question has stopped being which policy to buy: the hold itself, the loan's coverage covenant, and sometimes the rental use are what have to change. That is a conversation for your lender and a real estate attorney before it is a conversation for another agent.

Does my state have a FAIR plan or insurer of last resort?

The table below covers all fifty states and the District of Columbia. It answers one question — whether a residual-market plan exists and how to reach it — from a single source applied identically to every jurisdiction: the current member list published by the Property Insurance Plans Service Office, the national service organization supported by the FAIR and Beach plans (checked August 10, 2026). Some of these are statewide property plans and some are coastal wind-and-hail pools that cover only those perils; the plan's own name usually signals which, and its site states its scope.

A source conflict worth naming. NAIC states that thirty-three states had some form of residual-market plan as of October 2024; PIPSO's current member list shows plans in thirty-four states plus the District of Columbia. The counts are taken at different dates and on different bases — NAIC's is a point-in-time count of states, PIPSO's is a membership roster — and at least one plan became active between them: the Colorado Division of Insurance records that the Colorado FAIR Plan began offering residential policies on April 10, 2025. For the question this table answers — which plan exists in your state and how to contact it — the PIPSO roster governs because it is the current membership record. For the national picture and the coverage limitations described above, NAIC governs.

The rental-eligibility column uses the same status labels this site applies to every verified matrix. Verified means the plan's own current pages state the answer. Partial means the plan publishes a relevant policy form but sets occupancy eligibility elsewhere. Blocked means the answer was not published in a form this page could verify, and the route to it is the plan itself. Nothing in this column is inferred.

State	Residual-market plan listed by PIPSO (checked August 10, 2026)	Rental (non-owner-occupied) eligibility
Alabama	Alabama Insurance Underwriting Association	Blocked — not published in a form this page could verify; confirm with the plan
Alaska	None listed	Not applicable — no plan listed; ask your state insurance department what options exist
Arizona	None listed	Not applicable — no plan listed; ask your state insurance department what options exist
Arkansas	None listed	Not applicable — no plan listed; ask your state insurance department what options exist
California	California FAIR Plan Association	Verified — plan lists 1–4 unit dwellings rented to a tenant for at least one year, and dwellings rented for less than one year, among eligible occupancies; the dwelling policy is named-peril and the state regulator notes it provides no liability coverage
Colorado	Colorado FAIR Plan	Blocked — not published in a form this page could verify; confirm with the plan
Connecticut	Connecticut FAIR Plan	Blocked — not published in a form this page could verify; confirm with the plan
Delaware	Insurance Placement Facility of Delaware	Blocked — not published in a form this page could verify; confirm with the plan
District of Columbia	District of Columbia Property Insurance Facility	Blocked — not published in a form this page could verify; confirm with the plan
Florida	Citizens Property Insurance Corporation	Verified — plan states its DP-3 and DP-1 dwelling policies are available for tenant-occupied property and cover loss of rent
Georgia	Georgia Underwriting Association	Blocked — not published in a form this page could verify; confirm with the plan
Hawaii	Hawaii Property Insurance Association	Blocked — not published in a form this page could verify; confirm with the plan
Idaho	None listed	Not applicable — no plan listed; ask your state insurance department what options exist
Illinois	Illinois FAIR Plan Association; also the Illinois Mine Subsidence Insurance Fund	Blocked — not published in a form this page could verify; confirm with the plan
Indiana	Indiana Basic Property Insurance Association	Blocked — not published in a form this page could verify; confirm with the plan
Iowa	Iowa FAIR Plan Association	Blocked — not published in a form this page could verify; confirm with the plan
Kansas	Kansas All-Industry Placement Facility	Blocked — not published in a form this page could verify; confirm with the plan
Kentucky	Kentucky FAIR Plan	Blocked — not published in a form this page could verify; confirm with the plan
Louisiana	Louisiana Citizens FAIR & Coastal Plans	Blocked — not published in a form this page could verify; confirm with the plan
Maine	None listed	Not applicable — no plan listed; ask your state insurance department what options exist
Maryland	Maryland Joint Insurance Association	Blocked — not published in a form this page could verify; confirm with the plan
Massachusetts	Massachusetts Property Insurance Underwriting Association	Blocked — not published in a form this page could verify; confirm with the plan
Michigan	Michigan Basic Property Insurance Association	Blocked — not published in a form this page could verify; confirm with the plan
Minnesota	Minnesota FAIR Plan	Blocked — not published in a form this page could verify; confirm with the plan
Mississippi	Mississippi Residential Property Insurance and Windstorm Underwriting Associations	Blocked — not published in a form this page could verify; confirm with the plan
Missouri	Missouri FAIR Plan	Blocked — not published in a form this page could verify; confirm with the plan
Montana	None listed	Not applicable — no plan listed; ask your state insurance department what options exist
Nebraska	None listed	Not applicable — no plan listed; ask your state insurance department what options exist
Nevada	None listed	Not applicable — no plan listed; ask your state insurance department what options exist
New Hampshire	None listed	Not applicable — no plan listed; ask your state insurance department what options exist
New Jersey	New Jersey Insurance Underwriting Association	Blocked — not published in a form this page could verify; confirm with the plan
New Mexico	New Mexico Property Insurance Program	Blocked — not published in a form this page could verify; confirm with the plan
New York	New York Property Insurance Underwriting Association	Blocked — not published in a form this page could verify; confirm with the plan
North Carolina	North Carolina Joint Underwriting Association and Insurance Underwriting Association	Blocked — not published in a form this page could verify; confirm with the plan
North Dakota	None listed	Not applicable — no plan listed; ask your state insurance department what options exist
Ohio	Ohio FAIR Plan Association	Blocked — not published in a form this page could verify; confirm with the plan
Oklahoma	None listed	Not applicable — no plan listed; ask your state insurance department what options exist
Oregon	Oregon FAIR Plan Association	Blocked — not published in a form this page could verify; confirm with the plan
Pennsylvania	Insurance Placement Facility of Pennsylvania	Blocked — not published in a form this page could verify; confirm with the plan
Rhode Island	Rhode Island Joint Reinsurance Association	Blocked — not published in a form this page could verify; confirm with the plan
South Carolina	South Carolina Wind and Hail Underwriting Association	Blocked — not published in a form this page could verify; confirm with the plan
South Dakota	None listed	Not applicable — no plan listed; ask your state insurance department what options exist
Tennessee	None listed	Not applicable — no plan listed; ask your state insurance department what options exist
Texas	Texas FAIR Plan Association; coastal wind and hail through the Texas Windstorm Insurance Association	Partial — the state regulator lists a Dwelling policy among the plan's residential forms, but occupancy eligibility is set by the plan's underwriting rules and applications are accepted only through an authorized agent; confirm through one
Utah	None listed	Not applicable — no plan listed; ask your state insurance department what options exist
Vermont	None listed	Not applicable — no plan listed; ask your state insurance department what options exist
Virginia	Virginia Property Insurance Association	Blocked — not published in a form this page could verify; confirm with the plan
Washington	Washington FAIR Plan	Blocked — not published in a form this page could verify; confirm with the plan
West Virginia	West Virginia Essential Property Insurance Association	Blocked — not published in a form this page could verify; confirm with the plan
Wisconsin	Wisconsin FAIR Plan	Blocked — not published in a form this page could verify; confirm with the plan
Wyoming	None listed	Not applicable — no plan listed; ask your state insurance department what options exist
What this table is not	Not a statement that a listed plan will write your property, and not a complete list of every state program — it is the PIPSO membership roster on the date checked	Not an eligibility decision, not a coverage description, and not a substitute for the plan's own underwriting answer

Two uses for this table, and one limit. Use it to find out whether your state has a plan at all before a nonrenewal notice forces the question, and use it to reach that plan directly rather than through a search result. The limit is the middle column of most rows: for the great majority of these plans, whether they will write a non-owner-occupied rental is not published in a form this page could verify, so that answer has to come from the plan or from an agent authorized to submit to it. Ask that question early, because the declination proof most plans require takes time to collect — and when you ask, bring the same Quote Packet, since a plan needs the same property facts every other market does.

Which authority governs insurance in your state

This page covers concepts that apply nationally — policy structures, comparison method, and what to verify. Beyond the plan roster above, it does not publish per-state insurance rules, because licensing, admitted-market status, guaranty-fund protection, residual-market eligibility, and cancellation and nonrenewal notice requirements are set state by state and change. The governing authority for every one of those questions is your state insurance department, and NAIC's directory covers all fifty states, Washington D.C., Puerto Rico, the U.S. Virgin Islands, Guam, American Samoa and the Northern Mariana Islands — select your jurisdiction and the department's own contact page and website follow.

Know what that authority can and cannot do before you call. NAIC states that insurance departments license insurers, agents and adjusters, offer tools to verify credentials, monitor insurers' financial condition, investigate complaints and take enforcement action, and can explain your options including last-resort programs where those exist. NAIC also states plainly what they will not do: they do not set prices, they cannot act as your personal legal counsel, and they cannot force a company to sell you a policy. So use the department for three specific jobs — verify the license of the agent and of every proposed insurer, check the complaint and financial record of the entity that will actually be on your declarations page, and ask what residual-market or last-resort program your state operates and whether it writes rentals. Those three answers are jurisdiction-specific, they are free, and nothing on this page substitutes for them.

When to reopen the landlord-insurance decision

Insurance is not a one-time purchase, and the facts that priced your policy keep moving. Reopen the comparison when any of these happens:

• Renewal arrives, or a renewal quote moves materially against the prior term.
• A nonrenewal or cancellation notice arrives — start the search on the notice date.
• You file a claim, or the property suffers a loss you chose not to claim.
• The use changes in either direction, between long-term leasing and short-term hosting.
• You add an amenity a policy prices or excludes separately, such as a pool, hot tub, or trampoline.
• Title moves into an entity, or the named insured changes for any other reason.
• The roof, electrical, plumbing, or HVAC is replaced — this can change eligibility as well as price.
• You refinance or take a new loan with its own coverage requirements.
• Vacancy or renovation runs longer than the threshold stated in your policy.

Two of these move fastest. A nonrenewal notice starts a clock you did not set, and a change of use between leasing and hosting can change which policy form your property needs rather than only what it costs. Each trigger changes an input in the Quote Packet, which is where the comparison starts again.

Frequently asked questions

Does landlord insurance cover my tenant's belongings?

Generally no. NAIC consumer guidance explains that a landlord policy commonly covers the structure, the owner's own property at the rental, lost rental income after a covered loss, and owner liability — a tenant's personal property is the tenant's renters policy's job. Many landlords address this in the lease, though whether you can require renters insurance, and on what terms, is a lease question with state and sometimes local limits worth checking before you write the clause — the first-time landlord checklist covers where that clause sits in the lease sequence.

Is landlord insurance required?

Whether any law requires it depends on your jurisdiction, and that is a question for your state insurance department. What is nearly always true is that a contract requires it. Loan documents typically set a coverage requirement and a mortgagee-listing rule; HOA and condo declarations often impose their own; and local rental registration or short-term-rental permit conditions sometimes require proof of coverage or a minimum liability limit before a permit issues. Read the loan documents, the HOA or condo declaration, and the registration or permit conditions, and confirm each requirement with the party imposing it before you choose limits.

Does loss-of-rent coverage pay whenever the property is empty?

No. Loss-of-rent and business-revenue coverages are triggered by a covered physical loss to the property, subject to the policy's limit, period, and any waiting time. Ordinary vacancy between tenants, a slow booking season, or an eviction is not a covered loss under these provisions. Compare the trigger, limit, period, and income-documentation requirements across quotes rather than assuming the words mean the same thing.

Does my tenant still owe rent if the property is uninhabitable?

There is a second half to this that landlord content usually omits. The same casualty that triggers your loss-of-rent claim also triggers your tenant's rights: depending on the state, and sometimes the city, a tenant whose unit becomes uninhabitable may be entitled to rent abatement, to terminate the lease, or to relocation assistance. So the rent your policy replaces and the rent you are legally owed are two different figures, and the gap between them is yours. Before you send any notice after a fire, flood, or storm, get the state and local rules confirmed by a landlord-tenant attorney — the notice you send in the first week is the one most likely to create liability.

What happens if I don't tell my insurer the home is rented out?

Undisclosed rental use tends to surface at claim time. Depending on the policy's terms and state law, an insurer may treat it as a material change or misrepresentation, which can affect how a claim is handled and whether the policy is renewed. Disclose the actual use in writing to your current and prospective insurers, and keep the written confirmation with your records.

How long does it take to get landlord or short-term-rental insurance in place?

It depends on the slowest dependency in your path, not the quote itself. On a long-term-rental path, that is usually make-ready work, marketing, screening, and lease execution around the policy's effective date. On a short-term-rental path, it is permit or registration processing, HOA or condo approval, and binding the specialized policy or endorsement. Underwriting questions, inspections, or missing documents extend either path — and if you need flood coverage, the NFIP's 30-day waiting period is usually the longest single clock in the sequence.

How much does landlord insurance cost?

This page publishes no premium figure for either option, because no comparable one exists: a premium is an annual, per-property cost set by location, construction, replacement-cost basis, limits, deductibles, use, and loss history, and both options here are quote-required.

Two things can be said with a source. The first is direction of travel. NAIC's analysis of state-collected data from 2018 to 2024 found average premium per policy rising in every NAIC region across that period, by 18.3 to 43.3 percent after inflation, and the underlying report found rising nonrenewals and cancellations alongside it (both checked August 10, 2026). What that data is not: it covers owner-occupied homeowners and dwelling-fire policies rather than landlord forms, it is a regional average rather than a quote, and NAIC itself notes that differences in state requirements make direct state-to-state comparison unreliable. Read it as the reason a two-year-old quote is not a benchmark, not as an estimate of your premium. It also will not tell you whether landlord coverage costs more than the homeowners policy it replaces: the two are different forms with different coverages, so the honest comparison is your own two quotes on the same property, not one average against another.

The second is an asymmetry worth naming rather than hiding. Steadily publishes a provider-stated estimate that the liability component adds $200 to $400 a year to its bundled premium (checked August 10, 2026); Proper publishes no comparable figure. That is a component estimate from one provider about itself, not a premium and not a quote, and it means the two options cannot be compared on cost from public sources at all.

What a quote is actually built from. No public figure will price your property, but the inputs are not a mystery, and knowing their order tells you which quote differences are real. Ranked by how much each typically moves a landlord premium — Rental Income HQ's editorial ordering, not a formula and not a rate table:

1. The dwelling limit and its valuation basis — reconstruction cost, not market value or purchase price.
2. Location and catastrophe exposure — wind, hail, wildfire, and the fire-protection class of the address.
3. Construction, age, roof, and building systems, and the documentation you can produce for them.
4. Coverage selections — the liability limit, the loss-of-rent limit and period, and each endorsement you request.
5. Loss history, and the deductible structure you accept.

Two of those are levers you control at quote time. Raising the flat all-other-peril deductible trades premium for a retained risk you can size in advance, and documented roof or systems replacement can change eligibility as well as price. One is not a lever, however it is presented: buying the premium down by raising a percentage catastrophe deductible moves money from a fixed annual cost into a single uncertain event, which is the trade the worked example above prices out.

The list premium is also not the total cost — taxes, fees, endorsements, separate flood premium, and retained deductibles all count — and when you weigh premium against rent, weigh it against net operating figures, meaning rent after vacancy, maintenance, turnover, management, taxes, and reserves, rather than gross rent. Compare written quotes on identical inputs using the worksheet above.

Build the Quote Packet before the quote

Three steps close this out. Build one Quote Packet with identical inputs and your written use disclosure. Run the route that fits and collect at least two written quotes. Then compare declarations pages, carriers, forms, limits, deductibles, exclusions, and income protection, and ask a licensed insurance professional to confirm anything the documents leave unclear. The premium is the last field you compare, not the first.

Sources and last verified date

Last verified: August 10, 2026 Next review: November 10, 2026

Rental Income HQ is an independent publisher. It is not an insurance agency, broker, or producer, and it does not sell, place, or advise on coverage. How this page is funded: Rental Income HQ is supported by advertising and, on some pages, disclosed referral links. No provider has paid for placement, ordering, or inclusion on this page, and compensation never determines what is included or how it is ranked. If a compensated link is added to this page, it will be disclosed here. This page has not yet had review by a licensed insurance producer or an attorney; when those reviews are complete they will be credited here. It is educational and is not a substitute for advice from either. If you find a fact on this page that is out of date or wrong, tell us at hello@rentalincomehq.com and we will correct it and re-date the page.

• Leaving Home: Insurance Considerations for a Move — NAIC — landlord-policy scope, tenant-belongings exclusion, and rental-use insurance considerations.
• Searching for a Homeowners Insurance Policy? Tips to Get the Most Value — NAIC — premium drivers, deductibles, actual cash value vs. replacement cost, and like-for-like shopping method.
• How to File a Complaint and Research Complaints Against Insurance Carriers — NAIC — carrier complaint and financial-research process.
• Insurance Departments — NAIC — state and territory regulator directory for license verification and complaints.
• Need Help with Insurance? Insurance Departments Are Your Trusted Source — NAIC — what a state insurance department can and cannot do, including last-resort program guidance.
• Surplus Lines — NAIC — admitted vs. non-admitted market definition, surplus lines broker licensing, and the unavailability of state guaranty fund protection on surplus lines policies. NAIC page last updated October 27, 2025.
• Fair Access to Insurance Requirements Plans — NAIC — residual-market structure, the October 2024 thirty-three-state count, and the typical exclusion of loss of use and liability coverage. NAIC page last updated December 13, 2024.
• Examining Homeowner Property Insurance Market Dynamics, 2018–2024 — NAIC — inflation-adjusted regional premium increases of 18.3 to 43.3 percent across 2018–2024.
• MCAS Homeowners Insurance Report — NAIC — rising nonrenewals and cancellations, and the report's own comparability limitations.
• Member Companies — Property Insurance Plans Service Office — the residual-market plan roster and plan links used in the state table.
• Fair Access to Insurance Requirements (FAIR) Plan — Colorado Division of Insurance — the April 10, 2025 start date for Colorado residential policies, used to explain the plan-count discrepancy.
• Dwelling policies — California FAIR Plan Association — eligible occupancy types, including rented 1–4 unit dwellings, and the named-peril basis of the dwelling form.
• Residential Insurance: Home and Renters — California Department of Insurance — the state regulator's statement that the FAIR Plan policy provides no liability coverage.
• Personal Policies — Citizens Property Insurance Corporation — DP-3 and DP-1 availability for tenant-occupied property and loss-of-rent coverage.
• Coverage Eligibility — Texas FAIR Plan Association — declination requirement, underwriting-based eligibility, and agent-only application route.
• Texas FAIR Plan Association Overview — Texas Department of Insurance — the plan's residential policy types, including the Dwelling policy form.
• What can I do if my mortgage lender or servicer is charging me for force-placed homeowner's insurance? — Consumer Financial Protection Bureau — when a servicer may force-place coverage, whom it protects, and its cost relative to a policy you obtain yourself. Page last modified March 12, 2025.
• Buy a Flood Insurance Policy — FEMA / National Flood Insurance Program — NFIP residential and commercial limits, the 30-day waiting period and its exceptions, provider-invariant rates, and the exclusion of business-interruption loss.
• Getting protected through AirCover for Hosts — Airbnb — Airbnb's statement that AirCover for Hosts is not a substitute for personal insurance.
• Host Liability Insurance Program Summary — Airbnb — Airbnb's statement that host damage protection is not an insurance policy and that host liability insurance does not cover the host's own property.
• Landlord Insurance Coverages — Steadily — provider-stated coverage categories and separate-flood note.
• Landlord Liability Insurance — Steadily — provider-stated per-occurrence liability limits and the provider's estimate of the liability component's annual cost.
• States — Steadily — provider-stated all-50-state availability, subject to underwriting.
• Press Room legal disclosures — Steadily — Steadily Insurance Agency, Inc. licensing and Steadily Insurance Company entity details.
• Claims — Steadily — provider-stated online and phone claim-reporting route.
• Short-Term Rental Insurance for Hosts — Proper Insurance — provider-stated policy structure, liability limits, business-revenue coverage, underwriter references, and the underwriters' stated AM Best ratings.
• Vacation Rental Insurance — Proper Insurance — provider-stated exclusive Vrbo endorsement.
• STR Insurance Available in All 50 States — Proper Insurance — provider-stated nationwide availability.
• Privacy Policy — Proper Insurance — legal entity: Proper Insurance Services, LLC.
• Contact — Proper Insurance — provider-stated 24/7 claims contact route.