---
title: Landlord Insurance – Is it different than homeowner’s insurance?
description: Landlord insurance for rental property in Chattanooga, TN.
image: https://blog.valorbrokers.com/hubfs/Stock%20images/A%20small%20cottage%20and%20a%20three-dimensional%20stack%20of%20hundred-dollar%20bills.%20symbol%20of%20a%20successful%20real%20estate%20business.jpeg
---

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# Landlord Insurance – Is it different than homeowner’s insurance?

By [Jack Smith](https://blog.valorbrokers.com/author/jack-smith)  | March 18, 2020

As a landlord, you need to know if your insurance policy is tailored to cover your specific needs. Your standard homeowner's policy might not be designed to cover your rental property.

Here's why:

A homeowner's policy **does not automatically have coverage for a tenant.** The carrier is not expecting a claim involving a tenant and can easily deny the claim, leaving you stuck paying out of pocket. The same is true if a legal issue arises where the tenant is claiming negligence by the landlord. 

Keep in mind **all the things that can go wrong involving a tenant**. Your policy needs specific coverage for those things. 

Here are some common claims for landlord insurance:

- Tenant starts a fire, causing damage to the property.
- Tenant sues landlord on the grounds of “wrongful eviction.”
- Tenant has a guest on property who gets hurt;  the guest sues.
- A storm flattens the building and it takes time to rebuild, resulting in a loss of rental income.
- Tenant vandalizes the property.

**This property should be earning you money, not costing you money.**

To protect the landlord and the physical structure, landlord insurance (also known as a dwelling fire policy) is a [must](https://www.houselogic.com/finances-taxes/home-insurance/renting-out-your-home-get-landlord-insurance/). Having correct insurance is pivotal in protecting your asset and your financial standing.

Request a review of your current policy [here](https://www.theamericaninsurancegroup.com/request-a-quote).

 

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