Guide
Loss of rents
Rental income protection when a covered dwelling loss makes the unit uninhabitable — limits, waiting periods, and documentation.
Loss of rents (or rental income) coverage can help replace lost rental income when a covered dwelling loss makes the unit unlivable — subject to limits, waiting periods, and the form’s definitions.
It is not a vacancy guarantee and not a cure for nonpaying tenants. Fair Housing and eviction processes are legal topics — not insurance marketing promises.
Underwriters may ask for current rent, lease terms, and whether the building is already vacant. Put monthly rent and lease status in the detailed description when known.
Affordable Landlord Insurance surfaces loss-of-rents questions on landlord quote requests for ten service-area states. We do not claim every dwelling form includes the same rental-income wording.
Pair with vacancy and dwelling-forms guides when the building sits empty between tenants or during renovation. Browse /guides/ then Get a Quote.
Documentation that helps: current lease, rent roll for multi-unit, and photos after a loss. Mention mortgagee requirements for rental-income limits when a lender asks.
Seasonal or short-term rental income is underwritten differently than a 12-month lease. Say the rental model plainly.
A quote is not a binder. We contact you as soon as possible; it can take 1–2 business days after a complete submission.
If the file is outside appetite, partner referral may apply with your consent. See privacy and terms on this domain.
USA-only. Ten service-area states. No personal lines push.
Put those facts in the optional quote description.
Affordable Landlord Insurance shops landlord and dwelling markets across ten service-area states.
A quote is not a binder. Contact timing after a complete request: as soon as possible; it can take 1–2 business days.
Cross-link /landlord-insurance/ state hubs and city pages across the city directory, then finish with Get a Quote on /quote/.
This topic page is landlord and rental-dwelling only — no personal auto push
Policy forms and exclusions control what attaches. Marketing copy on this page is not a policy.
If you own rentals in more than one service-area city, submit the primary property first and list other locations in the description.
Mortgagee and additional-interest requests help when you have them — note them in comments.
Prior landlord or dwelling claims should be summarized briefly in the detailed description.
Desired effective date and unit count are required on our form; the rental description field is optional.
Browse /faq/ for binder and consent questions, /accessibility/ for WCAG 2.2 AA aims, and /quote/ when you are ready to submit.
Questions
Is Loss of rents a binder?
No. A quote is not a binder. Coverage exists only when a carrier issues confirmation according to its rules and the policy forms it issues.
Which states can use this guide?
Quote requests are for rental properties in Washington, Oregon, Idaho, Nevada, Arkansas, Arizona, South Dakota, Pennsylvania, Texas, and Indiana.
How do I start?
Open Get a Quote, complete property fields, check consent, and optionally paste a rental description. We contact you as soon as possible; it can take 1–2 business days.
What if this product is outside your markets?
With consent, Affordable Landlord Insurance may refer your request to a partner or affiliate agency or brokerage.