Is landlord insurance the same as home insurance?

No. A standard home policy assumes you live in the property. Rental properties face different occupancy, liability, and maintenance risks. Landlord or rental-dwelling policies are designed for properties you lease to others.

Should my tenant have their own insurance?

Yes — tenant insurance protects the renter's belongings and liability. It does not replace landlord coverage for the building. Requiring tenant insurance in your lease is a common and sensible practice.

Does landlord insurance cover tenant default on rent?

Standard property policies focus on physical damage and liability, not rent default. Loss of rental income coverage applies when a covered peril makes the unit uninhabitable — not when a tenant stops paying. Eviction and rent guarantee products are separate considerations.

What if I rent out a basement suite in my home?

Partial rentals and secondary suites change your risk profile. Your existing home policy may not cover rental activity. Tell your broker exactly how the property is occupied so the right product or endorsement is in place.

Personal Insurance · Windsor-Essex

Landlord Insurance

Coverage built for rental property owners — protect the dwelling, manage liability, and plan for income interruption after a covered loss.

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Well-maintained residential property in a quiet community

Landlord insurance is for Windsor-Essex property owners who rent out houses, duplexes, condo units, or other residential dwellings. Whether you have one rental or several, the right policy reflects how each property is occupied and maintained.

What's covered

Landlord policies address risks that come with owning property someone else lives in — different from an owner-occupied home policy. Coverage, limits, and eligibility vary by insurer and policy.

Rental Dwelling / Building

Rental dwelling coverage is intended to respond to covered damage to the building you lease to others — structure and permanently attached landlord-owned fixtures — subject to insured perils, deductibles, and policy terms. A standard owner-occupied home form is not designed for this occupancy risk.

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Practical considerations

Vacancy and seasonal gaps
Extended vacancies can affect coverage or require notification to your insurer. Tell your broker if a unit will be empty between tenants.
Maintenance and inspections
Insurers expect reasonable upkeep — working smoke detectors, safe stairs and railings, and timely repairs. Good maintenance supports both tenant safety and insurability.
Short-term rentals
Platforms like Airbnb change occupancy and liability exposure. Standard landlord policies may exclude or limit short-term rental activity — disclose how the property is marketed.

The Premium difference

Why a broker?

One relationship. Multiple markets. Coverage explained in plain language.

Your situation

Your property, belongings, or vehicle — and how you actually use them.

Multiple insurance markets

Independent access to personal lines carriers — not one company's shelf.

Premium broker

Windsor-Essex advice that explains options in plain language.

Right-fit coverage

Coverage matched to your real risks — not a one-size template.

One policy is rarely the whole picture. Explore other personal coverage from Premium.