Definition
This liability coverage protects landlords against injury claims from tenants or visitors on the rental property. It's non-negotiable for property investors.
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Landlord liability coverage protects against claims from tenant injuries, premises liability, and accidents on the property. This includes medical payments to guests injured on the property and legal defense costs for liability claims. Liability limits typically range from $100,000-$1,000,000. This coverage is separate from property damage coverage and is critical for rental property owners. Most landlords combine landlord liability with rental property coverage for comprehensive protection. Umbrella policies provide additional liability coverage beyond base policies.
Pro Tip
Ensure landlord liability coverage matches your property's size and tenant volume.
Example
Landlord liability coverage paid $50,000 when a guest was injured on the stairs and sued the landlord.