Landlord liability & dwelling insurance

An exclusive program for PURE HomeRiver Owners

Designed for rental property owners

Why a rental needs landlord coverage — not homeowners

A homeowners policy is written for the place you live. The moment tenants move in, the property is used differently — and a standard homeowners policy can limit or deny claims on a home you rent out. Landlord liability & dwelling insurance is built for rental property: it protects the building, your liability as the owner, and the rent itself.

Homeowners policy

Built for where you live

  • Covers the home and your belongings inside it
  • Liability for you and your household
  • Assumes you occupy it — renting it out often isn't covered
  • No coverage for rent lost while the home is unlivable
Landlord liability & dwelling

Built for property you rent out

  • Covers the dwelling and other structures against covered damage
  • Landlord liability if a tenant or visitor is injured
  • Replaces lost rental income during a covered repair
  • Written for tenant-occupied property, so the use is covered

Liability that follows the property

If a tenant or guest is injured on your rental, you can be held responsible. Landlord liability helps cover legal defense and claims against you as the owner.

Your rent, protected

When a covered loss makes a unit unlivable, the policy can reimburse the rental income you'd lose during repairs — something a homeowners policy doesn't include.

The right policy for the use

Insurers cover a home based on how it's used. A policy written for a rental responds in situations an owner-occupied policy can't.

Your tenants' belongings are theirs to insure with renters insurance — landlord coverage focuses on the building and your exposure as the owner. Coverage descriptions are general; actual terms vary by policy, carrier, and state.