Landlord Insurance

Get a landlord insurance policy to protect your investment.

Do you rent out a house or condo?

Log in to your GEICO Account

If you have a GEICO login for your Auto or Motorcycle policy, you can also access your Landlord policy.



Don't have a GEICO Account?

With just a few clicks you can look up the GEICO Insurance Agency partner your landlord insurance policy is with to find policy service options and contact information.

Need a landlord insurance quote?

Existing policyholder?

What is landlord insurance?

Landlord insurance helps protect you financially from damages or injuries related to a rental property. Property owners should consider a landlord home insurance policy if they're responsible for the entire building, including the exterior and roof. We can also help you find a landlord policy if you own a condo unit and rent it out. This coverage would be different than a landlord policy for a building or homeowner since you do not own the entire structure. Contact us today if you have further questions about determining the type of insurance landlords need.

You may need a different type of property insurance to protect your investment if you own a condo unit or are renting. If you own a condo and only need to insure the interior of the unit along with your belongings, a condo insurance policy may be right for you. If you are renting an apartment or house you may need renters insurance coverage.

Landlord insurance helps you rent your property with confidence.

Whether you own multiple rental properties or need to sublet your home for a year while you travel for business, we can help. The GEICO Insurance Agency can help you get the landlord coverage you need and the peace of mind you desire. Call us at (800) 841-3005 for a free landlord insurance quote.

Landlord Insurance Coverages

Landlord policies protect you and your investment. Most policies include coverage for:

  • Structure damage
  • Liability situations
  • Additional out of pocket expenses
  • Landlord furnishings and appliances

We're here to help you find the landlord insurance policy you need. Call (800) 841-3005 today for a free landlord insurance quote.

Tenant Types

To make sure you have the right policy for your rental property, consider the rental experience you offer. Three common situations are:

  • Long-term rental (more than 6 months)
  • Occasional short-term rental
  • Frequent short-term rental (ex. Airbnb)

If you offer short-term rentals, you may need a commercial insurance policy specific to your needs.

What does landlord insurance cover?

Property Investment

Whether you rent a single-family home, condo, or townhouse, landlord insurance covers:

  • Damage to the residence.
  • Damage to permanent structures on the property or onsite property maintenance equipment (such as lawnmowers owned by you).

Personal Protection

In the event of a covered loss, landlord insurance may also cover:

  • Lost rent payments if property repairs result in a temporary vacancy.
  • Liability coverage if someone is injured on the property.

Extra Options

Depending on your situation, you may want to consider additional coverage for things like:

  • Vandalism damage or if items you own are stolen from the property.
  • Additional construction expenses to bring the building up to code compliance after it's been damaged.

What is not covered by landlord insurance?

Landlord insurance policies help you rent your property with peace of mind for most unplanned expenses. Landlord insurance doesn't cover normal maintenance or property wear and tear, including landlord furnished appliances. It also doesn't provide coverage for earthquake damage. Some other commonly excluded items include:

Water Back-up

Damage caused when water or sewage backs up into your home is not covered under a basic policy. You may be able to purchase additional coverage for this type of loss.

Short Term or Vacation Rentals

Landlord policies are intended for "non-owner occupied" properties. So, renting out a room or floor of the home you live in may require additional coverage on your homeowners policy rather than a landlord policy.

Flood Damage

Landlord policies also don't provide coverage for floods. A flood insurance policy can be purchased if it is needed.

Need to speak with a sales agent?

You can reach a sales agent at (800) 841-3005.

  • Hawaii
  • Mon - Fri
    8:00 AM - 4:30 PM (HST)
  • All Other
  • Mon - Fri
    7:00 AM - 11:00 PM (ET)
  • Sat - Sun
    8:00 AM - 10:30 PM (ET)

Landlord Insurance: Get the answers you're looking for.

  • How do I make a payment?
    To make a payment you'll need to contact the GEICO Insurance Agency partner that your policy is with. Once you have that, you can find all of our partners' contact information on the partner policyholder page.
  • Does GEICO sell homeowners insurance?
    Yes, we sell homeowners insurance! Plus, when you bundle your homeowners and car insurance you could save even more! Get your quote today and see how much you could save.
  • What do these insurance terms mean?
    It can be hard to keep track of what all of these insurance terms means when you don't need to use them daily. It's hard for us too! That is why we have created a handy guide to insurance terms.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

Landlord coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, LLC. The information you provide will be shared with our business partners so that they can return a quote.