Landlord insurance that’s easy to manage
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Keep yourself and your property financially covered, no matter what
Find the most relevant landlord insurance quotes for your property and stay covered against damages, loss of income, personal liability and more.
- PROPERTY DAMAGE
Insure your building against fires, storms and more
Landlord insurance can cover repair and replacement costs if your property is damaged or destroyed due to fires, storms, vandals or other causes. - LOSS OF INCOME
Protect your finances from lost rental income
If an infestation, sinkhole or severe mold make your property unlivable, landlord insurance can temporarily reimburse your lost rental income. - PERSONAL LIABILITY
Equip yourself against everyday risk
If you get sued, landlord insurance can cover legal fees, medical costs and other charges that arise due to maintenance-related tenant or visitor injuries.
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The VIU Point blog is here to help you confidently compare landlord insurance quotes and make better policy decisions overall.
Learn more about landlord insurance
In most areas, landlord insurance is not required by law. But if you have a mortgage on your property, your lender might require you to have landlord insurance as a condition of your loan. It's always a good idea to check local regulations and consult with your lender.
A landlord insurance policy typically covers property damage, loss of rental income and liability if a tenant or guest is on the property injured. A VIU by HUB Advisor can walk you through any details as well as additional coverage options like rent guarantee insurance, natural disaster coverage, employer's liability (if you employ someone who works on the property) and legal expense coverage.
A homeowners policy will not cover you if you regularly rent out your property on platforms like Airbnb. While Airbnb does offer a "Host Guarantee" and "Host Protection Insurance," these do not replace the need for your own insurance because there may be gaps in what Airbnb's coverage offers in the event of a loss at the property.
Some homeowners policies might cover a one-time or occasional rental but they generally exclude short-term rentals from coverage, meaning you’d be unprotected if a claim arose during an Airbnb guest’s stay. If you're an Airbnb host or considering becoming one, you may need landlord insurance or a policy specifically designed for short-term rentals. A VIU by HUB Advisor can help make sure you get just the right coverage you need.
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