Landlord Insurance

Protect your investment with landlord insurance.

I rent out a house.

I want to get a quote. My ZIP Code is

OR

I rent out a condo.

I want to get a quote. My ZIP Code is

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.

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OR

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?

Landlord insurance helps you rent your property with confidence.

Landlord insurance allows you to 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. Give us a call at (800) 841-2964 for a free landlord insurance quote.

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.

If you're only responsible for the interior structure of the home, landlord condo insurance is the right choice to protect your investment.

Landlord Insurance Coverages

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

  • Structure damage
  • Liability situations
  • Additional out of pocket expenses

We're here to help you find the coverage you need. Call (800) 841-2964 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 six months)
  • Occasional short-term rental
  • Frequent short-term rental (ex. Airbnb)

If you offer short term rentals, you may need a commercial insurance policy written specifically for your coverage 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.
  • Time the property is under construction
  • 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. However, some commonly excluded items include:

Maintenance

Landlord insurance doesn't cover normal maintenance or property wear and tear (including landlord furnished appliances). Also excluded are flood, earthquake, and water-sewer back-up damages.

Sharing

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 homeowner's policy rather than a landlord policy.

Tenants

Tenants should get renters insurance to cover their personal belongings. Check out more tips on tenant do's and don'ts here.

Need to speak with a sales agent?

You can reach a sales agent at (800) 841-2964.

  • Florida
  • Mon - Fri
    8:00 AM - 9:00 PM (ET)
  • Hawaii
  • Mon - Fri
    7:30 AM - 5:00 PM (HST)
  • All Other
  • Mon - Fri
    7:00 AM - 1:00 AM (ET)
  • Sat - Sun
    8:00 AM - 10:30 PM (ET)

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, Inc. The information you provide will be shared with our business partners so that they can return a quote.