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Insurance for Landlords

Landlord Insurance protects your rental units, private structures and personal property.

  • Get coverage for your rental property, private structures on that property (like a garage or shed), any belongings stored on site or used by your tenants, and loss of rental income.1
  • We offer two types of landlord insurance: policies for rental buildings with one to four families, and condo landlord insurance, if you own a condo and rent it out.
  • Policies include liability coverage, so if you’re sued from a mishap in your rental, your legal fees are covered.
  • Medical payments to others are included, too — if someone is hurt on your property, we will pay up to $1,000 (or more if you choose) for medical costs.
  • Identity protection services are included with each policy.2
I need to learn more about insurance for landlords.
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FAQs
What types of insurance for landlords do you offer?

We have 2 types of policies: Landlord’s Rental Dwelling Insurance and Landlord’s Rental Condo insurance. Whether you’re a landlord with multiple rentals, or if you’re just leasing your home or condo, we’ve got a policy to suit your needs.

What does insurance for landlords cover?
  • The following benefits are available with any policy you choose:
  • Property coverage, which covers your rental property if you own rentals built for one to four families, as well as other private structures on your property (like a garage or shed), and personal property, like tools, appliances or furniture that’s stored on the property or used by your tenants.  This coverage even includes items that are out for repair or servicing.
  • Loss of rental income protects you if something happens and you’re unable to rent your property out. We’d pay for your loss of rental income during the repair or rebuilding period.
  • Liability coverage helps cover you for one of the biggest risks landlords face:  responsibility for injuries that occur on their rental property. This coverage includes personal liability, which will provide $100,000 of coverage (or more if you choose) if someone gets hurt or property damage occurs and you’re found responsible. This also covers all your defense costs.  It also includes medical payments to others, so that if someone is hurt on your property, we’ll pay up to $1,000 (or more, depending on your policy) for medical costs.
  • Personal injury coverage will protect you as a landlord from lawsuits alleging wrongful entry, wrongful eviction, and invasion of the right of private occupancy.
What other features and benefits do the insurance for landlord policies offer?

In addition to our basic policy, we offer two different options to protect you from out of pocket costs, if you ever have to repair or rebuild your investment property: 

Extended limits coverage will safeguard you against  unexpected increases in building and repair costs, protecting you if the dwelling’s replacement cost exceeds the policy’s Coverage A limit.  If the amount of insurance selected for the dwelling prior to the loss turns out to not have been enough, Extended Limits Coverage provides 25 percent more insurance to cover the extra need.

Coverage A PlusSM provides maximum protection to cover the cost to rebuild or repair your property if it were destroyed, even if that cost were more than the amount shown for Coverage A on your policy. There is no limit to the amount over the policy amount (except in a few states, such as FL). Your deductible applies.

 

Find the right landlords insurance today.

We can help you find solutions to meet your unique needs. Just fill out the form—there's no obligation.

Contact MetLife: All fields are required

By clicking submit, you agree that we* may contact you at the number you've provided, possibly using automated technology or a prerecorded voice, to talk about our products and services. If you don't want to give this permission, you can still get a quote or make a purchase by calling us directly at 1-800-638-5433.

*A MetLife company or third party acting on MetLife's behalf.

Thank you for contacting us.
Someone from MetLife will be reaching shortly to provide you help.

1 See policy for restrictions.

2 Identity Protection Services are available in NC homeowner policies with the optional "Identity Theft Expense and Resolution Plus" endorsement for an additional premium.

3 Up to the available coverage limit of 25 percent of the dwelling’s Coverage A amount.

Landlord's Rental Dwelling Insurance is not available in all states.

MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Economy Preferred Insurance Company, Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company (CA Certificate of Authority: 6730; Warwick, RI), Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company (CA COA: 6393; Warwick, RI), and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices in Warwick, RI. Coverage, rates, and discounts are available in most states to those who qualify.

This information, although a reasonable description of the coverage provided, does not constitute part of the policy or binder of insurance and shall not be construed to replace any provision of the policy itself. In the event of any conflict between the policy and this information, the provisions of the policy shall prevail. It is therefore important that you read your policy carefully for complete details.

© 2016 MetLife Auto & Home