Landlord coverage that's actuallyclearfairyoursplainclear
A building you lease out is a different risk than the one you live in. Lessor's risk covers the structure, the premises liability, and the rent you would lose. We place it to fit the tenancy.
Landlord coverage, line by line.
What a lessor's risk policy covers for a property you rent to others.
| Coverage | What it covers | Good to know |
|---|---|---|
| Building | The structure you own and lease out | Insure to replacement cost, not market value |
| Premises liability | Injury to a tenant or visitor on the property | The liability you keep as the owner |
| Loss of rents | Rental income lost after a covered loss | Keeps the mortgage paid during a rebuild |
| Ordinance or law | The added cost to rebuild to current code | Vital on older rental buildings |
| Tenant improvements | Build-outs you own as the landlord | Clarify who insures what in the lease |
| Vacancy terms | How coverage changes when units sit empty | Read the vacancy clause carefully |
Whether you, your tenant, or both carry coverage is set by the lease. We read it and structure the policy to match.
Renting out a property? Send us the lease and we will cover the gaps, free.
Neighbors we’ve actually helped.
“Can't recommend these guys enough. Needed insurance fast for the DMV and my old insurance company was closed and wasn't answering my calls. Called these guys and over a 30min lunch break they hooked me up with renter's insurance and insurance for my cars and bike. They got me a better deal, too. Highly recommend because they DO NOT WASTE YOUR TIME like other companies.”
“I recently switched insurance carriers to PolicyNest KC and I couldn't be happier with the experience so far. I worked with Nick Rhodes, who was extremely friendly, helpful, and quick to respond. He explained everything in a way that was easy to understand, which was greatly appreciated since I'm definitely not an insurance expert. He made me feel like a person, not just a number. On top of that, PolicyNest KC saved me over $100 each month on my car and renters insurance, which is huge. Their mobile app is also super easy to use and makes managing my policies and making payments a breeze. I highly recommend PolicyNest KC and especially Nick for anyone looking to make a switch!”
“Amazing coverage at a great rate, they did not lie! Nick was absolutely great to work with, and he cut my bill in half! He did a great job explaining coverages in a way I could better understand, as well as the importance of the coverage to me so that I could better understand how to best protect my property. Nick was super knowledgeable, personable and made me feel like I was putting my protecting in caring hands. Thank you PNKC!!”
“PolicyNest KC is great. Nick Rhodes helped me every step of the way took my information, and found the right coverage to make it all happen. Showed me several options and found the best rates for me. If you need insurance, this place will make it quick and easy and will find you the best price for your circumstance. Highly recommend.”
“As a business owner, these guys were a lifesaver helping me scour through options to combine the different kinds of insurance my business needs in order for me to have peace of mind. I was helped by Hunter, a class act (and quite funny at that). Would highly recommend!”
“They saved me a ton of money on my new policy! They helped me understand my policy as well! Easy to work with and saving me money!”
“Nick is the man, helped me lower my car insurance $100/month for triple the coverage!”
“Nick was fantastic to work with. He offered great rates made everything nice and simple. Very pleased with my experience”
“Happy with the service and savings”
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Landlord coverage, answered.
The questions property owners ask before they place it.
No. Once you rent a property to others, a homeowners policy generally will not respond. A lessor's risk or dwelling-fire landlord policy is built for the different liability and loss-of-rents exposure.
It pays the rental income you lose while a covered loss makes the property uninhabitable, so your mortgage and expenses stay covered during the rebuild. We size it to a realistic rebuild timeline.
Yes. Your policy covers the building, not the tenant's belongings or their liability. Requiring tenant renters insurance in the lease protects both of you. We help you set that up.
Most policies restrict coverage after a property sits empty for a set period. We explain the vacancy clause so an extended turnover does not void your coverage.
Ready when you are
Send us the lease and the property. We will cover the gaps, free.
Landlords usually also carry
Commercial property
Multiple buildings? A property program may fit better than monoline.
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