Renting Out Your Property? Protect the Investment.
Owning a rental property comes with unique risks that a standard homeowners policy won’t cover. Whether you have a long-term tenant or list on Airbnb, SafeInsure helps you find the right landlord insurance policy to protect your investment.
Short-Term Rentals (Airbnb, VRBO)
Standard landlord policies may not cover short-term rental activity. If you rent through a platform like Airbnb or VRBO, make sure you ask specifically about short-term rental coverage — or a gap in protection could be costly.
What Does Landlord Insurance Cover?
- Comprehensive Property Coverage — Protects against sudden losses including fire, lightning, wind damage, and other covered perils.
- Optional Replacement Cost — Settlement based on the replacement value of damaged items, not their depreciated value.
- Liability Coverage — If a tenant or visitor is injured on your property and you’re found legally responsible, liability coverage pays for medical expenses, lost wages, and property damage up to your policy limits.
- Theft and Vandalism — Covers damage or loss caused by theft or vandalism by third parties (not tenants).
- Actual Cash Value — Covers replacement costs minus depreciation — the standard option if replacement cost isn’t selected.
- Agreed Loss Settlement — Provides the full agreed-upon amount in a total loss situation.
- Extended Replacement Cost — Enables coverage up to 125% of the insured property value — useful if construction costs rise after a major loss.
Get a Free Quote
Call (206) 402-6793 or fill out the form to protect your rental property investment.
Frequently Asked Questions
How is landlord insurance different from homeowners insurance?
Landlord (or dwelling) insurance is built for property you rent out rather than live in. It covers the building and your liability as a property owner, and it can include loss of rental income — protections a standard homeowners policy does not extend to a rental.
Does landlord insurance cover my tenant's belongings?
No — your policy protects the building and your interests as the owner, not your tenant’s personal property. That is why many landlords require tenants to carry their own renters insurance as part of the lease.
Does landlord insurance cover lost rent?
It can. If a covered loss such as a fire makes the unit uninhabitable, fair rental value (loss of rents) coverage helps replace the income while repairs are made. We will make sure this protection is included at a limit that reflects your actual rent.
What is an independent insurance agent?
An independent insurance agent works with multiple insurance carriers, not just one. That means we can shop the market on your behalf and find the coverage that best fits your needs and budget, rather than being limited to a single company’s products.
How much does it cost to get a quote?
Nothing — quotes are always free and there is no obligation. Because SafeInsure is an independent agency, we shop your coverage across multiple top-rated carriers and bring you the options that fit your needs and budget. You can request a free quote online or call us at (206) 402-6793.
Do you speak Vietnamese?
Yes. SafeInsure is a woman-owned agency that serves the Seattle and Washington community in both English and Vietnamese, so you can review your coverage and ask questions in the language you are most comfortable with.