(951) 368-0900 Riverside, CA

Landlord Insurance in Inland Empire, San Bernardino, Riverside, CA.

Landlord Insurance – Protect Your Rental Properties and Income

As a landlord, your rental property is more than an investment—it’s a source of income. At Empire Independent Insurance Agency, our Landlord Insurance policies protect your property, finances, and peace of mind. From unexpected damages to tenant-related risks, we offer customized solutions to keep your rentals secure.

Why Do You Need Landlord Insurance?

Standard homeowners insurance won’t cover properties rented to tenants. Landlord Insurance ensures you’re protected against:

  • Property Damage: Coverage for repairs caused by fire, storms, or vandalism.
  • Liability Claims: Protection if a tenant or visitor is injured on your property.
  • Lost Rental Income: Compensation if your property becomes uninhabitable due to a covered event.
  • Tenant-Related Risks: Protection for damages caused by tenant negligence or accidents.

What Does Landlord Insurance Cover?

Property Damage

Protects your rental building, fixtures, and other structures from fire, weather, and vandalism.

Liability Coverage

Covers medical and legal costs if a tenant or visitor is injured on your property.

Loss of Rental Income

Reimburses lost income if your rental becomes uninhabitable due to a covered event.

Who Needs Landlord Insurance?

If you rent out residential or commercial properties, Landlord Insurance is essential. This includes:

  • Single-Family Home Rentals
  • Multi-Unit Apartments
  • Vacation Rentals
  • Condos and Townhomes
  • Commercial Rental Properties

Why Choose Empire Independent Insurance Agency?

  • Customized Policies: Tailored coverage options for landlords of all property types.
  • Competitive Rates: Affordable premiums that fit your budget.
  • Comprehensive Protection: Coverages for property damage, liability, and income loss.
  • Expert Support: Our team simplifies the process, from choosing coverage to handling claims.

Frequently Asked Questions

Q: Does landlord insurance cover tenant-caused damage?

A: Yes, it can cover accidental damage caused by tenants, but deliberate damage may require additional coverage.

Q: Is loss of rental income included?

A: Yes, policies can include compensation for lost income if the property becomes uninhabitable due to a covered event.

Q: Do I need landlord insurance for a short-term rental?

A: Yes, landlord insurance can protect vacation rentals and short-term leases against property damage and liability claims.

Get the Coverage You Need for Your Rentals

Protect your rental properties and income with reliable Landlord Insurance from Empire Independent Insurance Agency. Whether you rent out a single-family home or manage multiple properties, we’ll help you find the coverage you need at the right price. Call us at 951-368-0900 or request a free quote online today.

Explore More Insurance Solutions