Landlord Insurance, Explained in Plain English
2026-05-20 · Maya Chen
The one-paragraph version
Landlord insurance rebuilds your rental after a covered loss, defends you when someone is hurt on the property, and replaces the rent while the unit is unlivable. A homeowners policy does none of those things for a tenant-occupied home.
How to size it
Insure the building for what it costs to rebuild, not its market price. Then set liability high enough to protect your other assets, and confirm loss-of-rent matches your monthly income.