Landlord Insurance provides coverage for property owners renting out one or more residential homes, apartments, or condos. As a landlord, you need protection from financial loss that may result from damages to a rental property due to fire, break-in, severe weather and more.

What is Covered by Landlord Insurance?

Dwelling Protection

If your home is damaged from house fires, severe weather, falling objects, or vandalism, dwelling coverage can help pay to repair or rebuild your home. Limits are based on the estimated cost of rebuilding your home.

Other Structures Protection

If any detached structures are damaged like garages, sheds, and fences on your property, other structures coverage can pay for covered damages.

Premises Liability Coverage

This will cover you if you’re sued after an accident, damage or loss related to your property. For example, you might have a lawsuit on your hands if your tenant injures himself on broken stairs in your rental.

Fair Rental Income Coverage

If your rental becomes uninhabitable due to a covered loss and your tenants have to move out, this coverage will help pay the rental income you would otherwise lose.

Premises Medical Protection

If someone is injured in an accident on your rental property, this type of coverage can help pay for reasonable and necessary medical expenses.

Vandalism Coverage

This add-on can help cover the cost to repair or replace what was damaged if your rental is vandalized. This will also provide coverage for belongings used for the rental property.

Burglary Coverage

Adding burglary coverage to your landlord insurance policy could help pay for the repairs or replacements your dwelling needs. This can include belongings used for your rental property as well.

Rental Property Under Construction

If you’re renovating a rental property or building a new construction, this additional coverage could help cover the dwelling before it’s ready for occupancy.

Building Code

Adding building code coverage to your landlord policy could help cover the increased cost of enforcing any building codes, ordinances or laws regulating the construction, reconstruction, maintenance, repair or demolition of your dwelling.

Landlord Insurance Discounts


Save money on your landlord insurance policy if your home is also insured with the same insurance provider.

Quote in Advance

Quote at least one day before your actual policy starts, and you’ll get a discount.

Choose a Higher Deductible

A higher deductible will lower how much you pay for landlord insurance by shifting part of a loss payment to you. A higher deductible will lower your landlord insurance bill, but will also increase how much you’ll end up paying yourself if you file a claim.

Pay in Full

Just pay your policy in full (all at once), and earn a discount.

For more information about landlord insurance, call our office at (702) 330-3337, or send us an email at

Frequently Asked Questions

Yes. It’s important to make sure the taxes are based of the assessed value of the property.

At Nevada Insurance Solutions, Inc! We will quote you with various insurance companies to ensure you receive the best coverage at the most affordable rate.

Yes, you should. As a landlord you should require your tenants to obtain a renter’s insurance policy because it mitigates the threat of a lawsuit directed at you. For example, your tenant has a party and an individual in the party is injured, since technically it is your property, you will be the one dealing with the liability claim. However, if you require your tenants to purchase a renter’s insurance policy, they will be held liable for the individual’s injury.

Yes. Landlords are responsible for covering the structure of the rental property as well as any of their own property, this may include carpeting, appliances, and light fixtures.