Landlord Insurance

A Policy for People Who Rent Their Homes to Others

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Landlord insurance is not required for a landlord, but insurance can bring many benefits:

Financial protection against natural disasters
Coverage for fire and water damage
Protection against tenant injury
Loss of rental income due to a covered claim

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What is Landlord Property Insurance?

Landlord insurance (also known as rental insurance) is a policy for someone who rents out a home they own. This type of insurance typically includes two different types of coverage: property and liability protection. Both coverages are intended to help protect you, the landlord, from financial losses.

Key Features To Look For In Landlord Insurance:

Does the policy cover building, contents, or both?
Are you covered against the most common natural events?
Are you protected against legal liability?
Does your policy cover rental loss, and if so, for how long?

Zelano Insurance Agency has locations in Chepachet, and Greenville Rhode Island ( RI ) to service your landlord insurance needs.

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Frequently Asked Questions

Do I need landlord insurance if I rent out my home in RI?

Yes. If you rent out a home in Rhode Island, a standard homeowners policy typically won't provide adequate protection. Landlord insurance is designed specifically for rental properties and helps protect you from risks like property damage, tenant-related liability, and loss of rental income.

How much is landlord insurance in Rhode Island?

The cost of landlord insurance in Rhode Island varies depending on factors like your property location, building size, age, condition, coverage limits, and claims history. Properties in high-risk areas may have higher premiums due to increased exposure to storms and weather-related damage.

How does coastal risk affect landlord insurance in Rhode Island?

Coastal properties in Rhode Island often face higher insurance costs due to increased risk from storms, wind damage, and flooding. Standard landlord policies may cover certain weather-related damage, but flood insurance is typically separate.

If your rental property is near the coast, Zelano can help you evaluate additional coverage options to ensure you're fully protected against New England-specific risks.

Is landlord insurance tax deductible?

In many cases, landlord insurance premiums are considered a business expense and may be tax deductible. This can include coverage for property protection, liability, and loss of rental income.

How do I file a landlord insurance claim?

If your rental property is damaged or a liability issue occurs, you should file a claim as soon as possible. This typically involves documenting the damage, contacting your insurance provider, and submitting the necessary details.

With Zelano as your insurance agency, you'll be guided through the entire claims process. We'll help you file your claim, communicate with the carrier, and keep you informed every step of the way.