Landlord Insurance

Renting out property in North Carolina is a great investment — until a claim hits the wrong policy. Landlord insurance (also called dwelling fire or rental property coverage) is built specifically for property owners, protecting the structure, your rental income, and your liability.

Prefer to talk it through with a real person? Call us at 919-341-0606 — we answer Monday through Friday, 8:30 am to 5:30 pm, right here in Garner.

What Landlord Insurance Covers

• Dwelling — the rental structure itself against fire, storms, and other covered perils.
• Landlord liability — legal and medical costs if a tenant or guest is injured and you’re held responsible.
• Loss of rents — replaces rental income while a covered loss makes the property unlivable.
• Optional add-ons — equipment breakdown, vandalism, and coverage for appliances you provide.

Landlord Policy vs. Homeowners Policy

A homeowners policy assumes you live in the home. Once a tenant moves in, many claims can be denied for being written on the wrong form. If you’ve converted a former residence into a rental — or inherited a property you now lease — it’s time to switch to a landlord policy. Moving to the coast market? See our coastal property page.

Protect the Income, Not Just the Building

Loss-of-rents coverage is the piece most owners miss. If a kitchen fire takes a unit offline for four months, the mortgage doesn’t pause. We’ll size this coverage to your actual rent roll. And require tenants to carry renters insurance — it protects their belongings and reduces disputes after a loss.

Frequently Asked Questions

Is landlord insurance required in North Carolina?

No law requires it, but any mortgage lender will — and going without it puts the property and your rental income at risk.

Does landlord insurance cover my tenant’s belongings?

No. Tenants need their own renters policy for personal property and liability. Many landlords require it in the lease.

What about short-term rentals like Airbnb?

Short-term rental activity needs specialized coverage — standard landlord and homeowners forms often exclude it. Tell us how you rent and we’ll place it correctly.

Cover Your Rental the Right Way

One quick review tells you if your rental is on the right policy form. Insure with You!