State guides for rental owners
Landlord insurance in nine licensed states
A landlord policy is written for a dwelling you rent to someone else. These state pages cover rental property insurance and landlord policy questions for owners — housing stock, weather, and how to request a quote — without targeting tenant personal-property coverage or commercial business packages.
What every landlord page on this site is about
Each state guide is unique copy for that market. The product is the same idea everywhere: dwelling or landlord coverage for a residential rental, including the owner’s premises liability and, on a complete form, loss of rental income after a covered property loss. The details change with row homes versus desert HOA houses versus prairie hail.
Start with the state where the property sits, not where you live. An out-of-state owner of a Boise rental still needs an Idaho landlord file. Then use the quote form with that state selected.
Washington
If you own a house, duplex, or small apartment building that you rent to other people in Washington, a standard homeowners policy is usually the wrong starting point.
Washington landlord insuranceOregon
Oregon landlords need a policy that assumes a tenant occupies the dwelling — not a homeowners form left over from when the owner still lived there.
Oregon landlord insuranceIdaho
Idaho’s rental stock has grown with the Treasure Valley and the north Idaho towns that now lease to year-round tenants.
Idaho landlord insuranceNevada
Nevada rental owners in the Las Vegas valley and the Reno–Sparks corridor need a landlord policy that matches tenant occupancy, HOA rules, and the heat and vacancy patterns of a desert and high-desert market.
Nevada landlord insuranceSouth Dakota
South Dakota landlords — whether you own a Sioux Falls starter house, a Rapid City duplex, or a small-town rental near a plant or hospital — need a policy written for tenant occupancy.
South Dakota landlord insuranceArkansas
Arkansas landlords need dwelling and landlord coverage that assumes a tenant occupies the house — through hail seasons, older housing stock, and the stretch between Little Rock, Northwest Arkansas, and the river towns.
Arkansas landlord insurancePennsylvania
Pennsylvania’s rental stock includes Philadelphia row homes, Pittsburgh duplexes, and older houses across the mid-state and Lehigh Valley.
Pennsylvania landlord insuranceTexas
Texas rental owners deal with hail, wind, freeze events, and a large investor market that still tries to keep houses on personal homeowners forms.
Texas landlord insuranceIndiana
Indiana landlords — from Indianapolis doubles to Fort Wayne singles and Evansville workforce housing — need a policy written for a dwelling someone else lives in.
Indiana landlord insuranceAlready know the property address?
Skip the guide and send a quote request. Choose the state on the form so the file is routed correctly.
Request a quote