Landlord Insurance Providers to Watch in 2025 Today
As the owner of InsuranceProFinder.com, I followed dozens of landlord experiences while evaluating top insurance providers for rental owners this year. Below you’ll find practical comparisons, risk-management advice and real-world anecdotes to help protect your rental property and income.
Best Landlord Insurance Providers for Apartment Buildings (biBerk)
For owners scaling up to multi-unit apartment buildings, biBerk stands out for its commercial-focused options. Their range includes property insurance, liability protection and add-ons useful to landlords who hire staff or run maintenance fleets.
biBerk policy highlights and landlord protection
biBerk can bundle workers’ compensation and commercial auto coverage with standard landlord policies, simplifying risk management for expanding portfolios. These combined options help protect both assets and rental income when you begin hiring employees.
- Types of properties covered: apartment buildings, commercial properties, single-family rentals
- Standout coverages: commercial auto, umbrella liability, workers’ compensation
- Ideal for: landlords planning to scale or operate multiple-unit complexes
Real case: Lucas, a landlord in Ohio, switched three small apartment blocks to biBerk after hiring a maintenance crew; the bundled policies cut administrative time and clarified liability exposure. Insight: pick a provider that grows with your business.
Top Choices for Online Quotes and New Landlords (American Family, Steadily)
If you prefer to compare quotes quickly or you’re a first-time landlord, two providers stand out: American Family for online quotes and agent support, and Steadily for resources tailored to new landlords.
Why online quoting and landlord toolkits matter
American Family offers online quoting plus access to a broad agent network. Their Landlord Toolbox helps with marketing and tenant screening, making the onboarding process easier for busy owners.
- American Family strengths: online quotes, up to $1 million liability, landlord resources
- Steadily strengths: nationwide availability, forms hub, Airbnb/VRBO-specific policies
- Who benefits: landlords seeking fast quotes or complete starter toolkits
Example: A new landlord in Florida used Steadily’s lease templates and got a quote in under a minute, avoiding common paperwork delays. Insight: choose carriers that provide both digital ease and educational support.
Large-Scale and Multi-Unit Rental Property Protection (Travelers)
Travelers is built to serve owners with mixed portfolios: single-family rentals through quadplexes. Their policies include options that reduce costs when smart devices or safety upgrades are installed.
Coverage options and risk management for multi-unit owners
Travelers provides variable liability limits and incentives for risk mitigation, such as discounts for smart-home safety gear. These features help lower premiums while strengthening landlord protection.
- Property types: single-family homes, duplexes, triplexes, quadplexes
- Coverage features: medical payments, variable liability up to $1 million, bundling discounts
- Risk strategies: install smart detectors, document maintenance, bundle policies
Case in point: A landlord in Minnesota reduced claims frequency after installing smart smoke and leak sensors recommended by Travelers, which also cut annual premiums. Insight: proactive risk management directly impacts long-term costs.
Short-Term Rentals and Home-Sharing Coverage Options (Allstate)
For owners renting seasonally or listing on platforms like Airbnb, Allstate offers a home-sharing endorsement for homeowners policies that covers theft or damage by guests. This can be a simpler alternative to full landlord insurance for part-time hosts.
Choosing between homeowners endorsements and full landlord insurance
If a property is rented only occasionally and you still occupy it most of the year, a homeowners policy with a home-sharing endorsement can be sufficient. For full-time rentals, landlord insurance better protects rental income and liability.
- Allstate benefits: home-sharing endorsement, bundling discounts, nationwide availability (most states)
- When to prefer landlord insurance: property primarily occupied by tenants or mortgaged rental properties
- Short-term rental tip: document guest stays and collect additional security deposits to support claims
Anecdote: A retiree in Arizona used Allstate’s endorsement for occasional rentals and avoided the complexity of landlord policies until she converted the house to full-time rental. Insight: match coverage type to occupancy patterns to avoid gaps.
What Landlord Insurance Covers & How to Buy Rental Property Protection
Landlord insurance typically protects the structure, landlord-owned equipment and your liability if a tenant or visitor is injured. Common inclusions are dwelling coverage, personal property for maintenance items, liability and loss of rent.
Step-by-step buying checklist and required documents
Purchasing a policy is easiest when you gather key property facts and income details. Most lenders require landlord insurance if a mortgage exists, so start with property documentation to speed quotes.
- Essential documents: property address, building age/materials, rental income, mortgage details
- Coverages to compare: dwelling, tenant coverage (rent loss), personal property, liability limits
- Buying steps: gather documents, request 2–3 comparable quotes, review deductibles and exclusions
Practical tip: keep receipts for premiums—insurance costs are usually deductible as a business expense when filing taxes for rental income. Insight: preparation shortens the quoting process and uncovers the best coverage options.
How to Choose Among Insurance Providers — Risk Management & Insurance Trends for 2025
In 2025, insurers compete on digital quoting, customized landlord protection bundles and discounts tied to smart-home safety. Use these trends to assess value beyond price: look at claims service, bundling options and availability of specialty coverages.
Comparison metrics and risk-management checklist
Evaluate providers by coverage breadth, digital experience and customer-service metrics like complaint volume. Consider how each company’s offerings align with your long-term goals for the rental business.
- Comparison factors: coverage limits, claims process, state availability, bundling discounts
- Risk-management actions: scheduled maintenance, tenant screening, safety upgrades
- Final steps: request matched quotes, verify endorsements for vacancies or renovation, choose the best fit
Founder’s note: Lucas compared five providers using the checklist above and chose one that balanced price with an easy claims app—saving him time and protecting his rental income. Insight: your ideal insurer balances digital convenience with solid risk management.
Do I need landlord insurance if I have a mortgage on the rental property?
Yes. Lenders commonly require landlord insurance when a mortgage exists to protect the collateral. Even if you own the property outright, landlord insurance helps safeguard rental income and liability exposure.
Can homeowners insurance cover a rental property or Airbnb?
Not for full-time rentals. If you occasionally rent your primary home, a homeowners policy with a home-sharing endorsement (available from providers like Allstate) may suffice. For properties occupied by tenants most of the year, a dedicated landlord policy is necessary.
What coverages are essential in a landlord policy?
Essential coverages include dwelling (structure repair), personal property for maintenance items, liability protection, and loss-of-rent coverage. Review endorsements for water damage, code upgrades and replacement-cost options.
Reduce risk to lower premiums: install smart detectors, maintain the property, bundle policies, increase deductibles where appropriate, and shop multiple quotes to compare identical coverage options.