Shop insurance For customers For agents Log in Landlord Insurance Residential rental property coverage Find a local agent Enter your ZIP code to get started ZIP code zip code Search by agency name CoveragesDiscountsFAQs Get to know your landlord coverage options We understand that your rental property is a serious investment. Learn more about the unique coverages we offer below, then contact a local independent agent to discuss the right coverage for you and your residential property. Coverage Real-life scenario Standard Optional Extended Dwelling Get up to 25% more protection than the limit stated in your policy. In the event of a total loss we will help pay for unexpected repair or rebuilding costs.1 Premises Liability Coverage Protection against libel and slander, wrongful eviction and wrongful entry claims. Also protects you and your spouse/domestic partner against personal injury and other non-bodily injury claims.1 Wind/Hail If a severe hail storm causes damage to the windows of your rental property, this coverage his will help you get them repaired. Fair Rental Value If your unit is damaged in a covered event – say, a fire - and you’re unable to rent it for a period of time, this will cover the lost rent while repairs take place.2 Inflation Protection A spike in inflation causes contracting repair costs to go up, this keeps pace with inflation. That way you’re covered for a total loss.3 We offer so many more coverage options at Safeco. View all of our coverages below, then connect with a licensed independent agent near you to determine the best coverage options for your rental property. View all coverages You could save money with Safeco’s landlord insurance discounts4 Advanced Quote Discount Discount provided for customers who quote in advance. Account Credit When you insure both your rental property and home with Safeco, you are qualified for a 5% premium credit. Insure your home, too You'll save 5% when you insure both your homeowners and landlord policies with Safeco. What’s the difference between landlord and homeowners insurance? It’s a good question. Generally speaking, Landlord Insurance covers the protection of your rental properties, specifically the “dwelling” (the structure of the property) as opposed to your possessions, which are covered by Homeowners Insurance. However, Safeco Landlord Insurance also offers extensive loss of use and liability coverage for your residential rental property including items such as microwaves, refrigerators, and washer and dryers being used by your tenants.1 Find an agent Start with a quote — finish with an agent Policy type Auto Homeowners Renters Condo Boat Motorcycle RV Umbrella Landlord Protection ZIP code Get started Common landlord insurance questions Looking for answers? Browse the most frequently asked questions below, or contact an agent to discuss Safeco landlord insurance today. You rent out your second home – is landlord insurance right for you? You own a small building with four apartments and retail space on the ground floor. Are you eligible for Safeco landlord insurance? What's the maximum number of rentals you can own and still get Safeco insurance? What if you’re between tenants? What types of buildings are right for landlord insurance? 1 Availability varies by state. Terms and conditions apply. 2 Qualifications and conditions apply. Eligibility may vary by state. 3 Conditions apply. Not available in all states. Eligibility may vary by state. 4 Discounts and savings are available where state laws and regulations allow and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. 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Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.