— The SkyBlue Way
Your Rental Property Is a Business. Shop Its Insurance That Way.
Different insurance companies have different appetites for rental properties. The company that’s a great fit for your primary residence may not be the best fit for your investment property.
We Listen
Tell us about your rental property, how it’s used and what you’re looking to protect.
We Shop
Your Sky-Agent® shops available insurance companies for Landlord coverage, pricing and options that fit your property.
You Choose
We explain the available options in plain language. You decide what works for your investment.
One Property or a Portfolio. Start With a Sky-Agent®.
Your rental property has different risks because it has a different purpose.
LANDLORD VS. HOMEOWNERS
Why Isn’t Homeowners Insurance Enough for a Rental Property?
Homeowners Insurance is generally designed around a home you occupy as your residence. A property occupied by tenants presents different exposures. Landlord Insurance is designed specifically around rental-property ownership and can provide coverage appropriate for the dwelling, landlord liability, rental income and other eligible risks.
If the property changed from your home to someone else’s rental, your insurance needs may have changed too.
WHO NEEDS LANDLORD INSURANCE?
One Rental or Many—Protect the Investment.
Landlord Insurance isn’t only for large real-estate investors. Coverage may be available for owners of Single-Family Rental Homes, Tenant-Occupied Condos, Duplexes and other eligible multi-unit properties, former primary residences, multiple rental properties, and Mobile & Manufactured Home rentals.
Mobile & Manufactured Home Rentals
Own a Mobile or Manufactured Home that you rent to someone else? Finding Landlord Insurance for a tenant-occupied Mobile or Manufactured Home can be more challenging because not every insurance company offers this type of coverage. SkyBlue works with insurance companies that may provide Landlord coverage for eligible Mobile and Manufactured Homes. You don’t need to be a professional landlord to need Landlord Insurance.
PROTECTING THE INCOME
What Is Loss of Rental Income Coverage?
Your rental property doesn’t just have value as real estate. It may produce income every month.
If a covered loss makes the property uninhabitable and your tenant can’t live there, you may lose rental income while covered repairs are being completed. Loss of Rental Income coverage can help replace eligible lost rental income following a covered loss, subject to the policy’s terms and limits. It generally doesn’t cover rent a tenant simply fails to pay.
Protecting the property is important. Protecting the income it produces can be important too.
AN IMPORTANT DISTINCTION
Your Tenant Needs Insurance Too.
Your Landlord Insurance protects your interests as the property owner. It generally isn’t intended to insure your tenant’s belongings or provide the tenant with their own personal liability protection. That’s where Renters Insurance comes in.
Renting a Mobile or Manufactured Home?
A person who owns a Mobile or Manufactured Home and rents it to someone else may need Landlord coverage designed for that type of property. The person who rents and lives in the home may need Renters Insurance to protect their own belongings and personal liability.
SkyBlue can help shop available coverage for both eligible Mobile/Manufactured Home landlords and tenants.
Encouraging tenants to maintain Renters Insurance can help make the responsibilities clearer:
Landlord Insurance → helps protect the property owner’s eligible interests.
Renters Insurance → helps protect the tenant’s belongings and personal liability.
PRICE & VALUE
How Much Does Landlord Insurance Cost?
There isn’t one standard price.
Insurance companies can consider property location, type, dwelling
characteristics, coverage limits, deductibles, number of units, claims history, occupancy/use and available
discounts.
That’s Why We Shop.
Insurance companies don’t all have the same appetite for rental properties. One company may be a strong fit while another may price it differently—or may not want that type of property at all.
ONE PROPERTY OR A PORTFOLIO
Own More Than One Rental? Let’s Talk.
Whether you own one rental property, several properties or a growing real-estate portfolio, your insurance needs can become more complex as you add properties. Your rentals may include Single-Family Homes, Condos, Mobile or Manufactured Homes, Duplexes and other eligible multi-unit properties.
The best insurance solution for one property may not necessarily be the best solution for another. A Sky-Agent® can help you shop available markets and look at the bigger picture across your rental properties.
SAVE MORE
Landlord Insurance Discounts & Savings
Available savings vary by insurance company and property. Potential factors include multiple properties, protective devices, claims history, deductible options and other insurance relationships.
Your Sky-Agent® knows what to ask—and where to look.
BEYOND THE RENTAL PROPERTY
Your Investment Property May Not Be the Only Thing You Insure.
SkyBlue can also help landlords explore available coverage for a Primary Home, Auto, Condo, Mobile & Manufactured Home, Motorcycle, Boat & Personal Watercraft, RV & Motorhome and other eligible personal insurance.
Don’t Just Bundle. Shop the Bundle.™
Putting multiple policies with one insurance company can sometimes create savings. But the biggest discount isn’t automatically the best overall combination of coverage, eligibility and price.
WHY SKYBLUE
A Better Way to Shop for Landlord Insurance.
Multiple Insurance Companies
More Types of Rental Properties
One Property or Several
Licensed Nationwide
Real Human Help
THE SKY-AGENT® DIFFERENCE
Your Rental Property Deserves More Than a One-Size-Fits-All Quote.
A rental house isn’t the same as an owner-occupied house. A tenant-occupied condo isn’t the same as the condo you live in. And a rented Mobile or Manufactured Home may require access to insurance companies that actually write that type of property. The details matter. A Sky-Agent® can help you shop available markets based on the property you actually own and how it’s actually used.
We shop. We explain. You choose.
Nobody Shops Alone.™
Landlord Insurance is designed for property owners who rent eligible residential property to tenants. Depending on the policy, coverage can help protect the rental dwelling, provide Landlord Liability protection, cover certain landlord-owned property and help with eligible Loss of Rental Income following a covered loss.
If a home you own is occupied by tenants rather than being your primary residence, your insurance needs may be different. Tell your Sky-Agent® how the property is used and we’ll help you shop available coverage.
Homeowners Insurance is generally designed for a residence occupied by the homeowner. Landlord Insurance is designed for property that an owner rents to tenants. Different use. Different risks. Different insurance needs.
Loss of Rental Income coverage may help replace eligible rental income when a covered loss makes the property uninhabitable. It generally isn’t coverage for a tenant simply failing to pay rent.
This depends on the cause and policy. Certain sudden or accidental damage may be covered when it results from a covered cause of loss, while intentional damage, ordinary wear and tear, maintenance issues and other exclusions may apply.
Landlord Insurance generally protects the property owner’s eligible interests, not the tenant’s belongings or personal liability. Encouraging tenants to maintain Renters Insurance can help make the responsibilities clearer.
Yes, options may be available for eligible tenant-occupied condominiums. Tell your Sky-Agent® that the condo is tenant-occupied so we can shop appropriate available options.
Yes, coverage may be available for eligible Mobile and Manufactured Homes rented to tenants. Not every insurance company offers this specialized coverage. SkyBlue works with insurance companies that may.
If you rent and occupy a Mobile or Manufactured Home, you may need Renters Insurance rather than a policy insuring the home itself. Renters Insurance can help protect your belongings, personal liability and other eligible exposures.
Tell your Sky-Agent® whether you own the home, rent the home or own it and rent it to someone else. We’ll help you shop the appropriate coverage.
A DP-3, sometimes called a Dwelling Fire policy form, is commonly used to insure certain residential properties, including some tenant-occupied rental homes. You don’t need to know which form you need before contacting us.
Yes. Available solutions depend on the properties, locations, occupancy and insurance-company appetite, but SkyBlue can help you explore available markets for multiple rentals.
SkyBlue is licensed nationwide. Available insurance companies, products and property eligibility vary by state and individual risk.
LANDLORD INSURANCE RESOURCES
Protect the Property. Understand the Risk.
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