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Landlord Insurance

Protect Your Rental Property & Income

Owning a rental property can be a great investment, but it also comes with risks. From property damage to tenant-related liability, being a landlord means protecting your property, income, and financial future.

At Good Apple Insurance, we offer customized landlord insurance policies that ensure your rental property is fully covered against unexpected events—so you can rent with confidence.

Why Do You Need Landlord Insurance?

Standard homeowners insurance does NOT cover rental properties. If your rental home, apartment, or multi-unit property is damaged, or if a tenant sues you, you could face huge financial losses without proper coverage.

Landlord insurance helps protect against:

✅ Property damage from fire, storms, vandalism, and more
✅ Loss of rental income if your property becomes unlivable
✅ Liability claims if a tenant or visitor is injured on the property
✅ Legal costs related to landlord-tenant disputes
✅ Tenant-caused damage that goes beyond a security deposit

Whether you own a single rental unit or multiple properties, the right landlord insurance keeps your investment secure.

Who Needs Landlord Insurance?

If you rent out any type of property, you need landlord insurance, including:

✔️ Single-family rental homes
✔️ Duplexes & multi-family units
✔️ Condominiums & townhouses
✔️ Apartment buildings
✔️ Vacation & short-term rentals (like Airbnb)

Even if your rental property is fully paid off, landlord insurance ensures you’re protected against costly damages and legal claims.

What Does Landlord Insurance Cover?

Property Damage Coverage (Protects the Building)

Covers repairs or rebuilding costs if your rental property is damaged by fire, wind, hail, vandalism, or other covered events.
Example: A fire in one of your rental units causes severe damage. Your policy helps cover repairs.

Liability Protection (Protects You from Lawsuits)

Covers legal fees, medical bills, and settlements if a tenant or visitor gets injured on your property.
Example: A tenant slips on an icy walkway and sues you. Your insurance covers legal costs and medical expenses.

Loss of Rental Income Coverage (Protects Your Earnings)

Reimburses lost rental income if your property becomes uninhabitable due to a covered event (like a fire or storm).
Example: A hurricane damages the roof, forcing tenants to move out for two months. Your policy helps cover lost rent during repairs.

Tenant Damage Protection

Covers excessive property damage caused by tenants beyond normal wear and tear.
Example: A tenant punches holes in the walls and destroys the kitchen cabinets. Your insurance helps cover repairs.

Additional Coverage Options for Landlords

🏠 Flood Insurance – Required for properties in high-risk flood zones
🏠 Earthquake Insurance – Recommended for properties in earthquake-prone areas
🏠 Burglary & Theft Coverage – Protects appliances, fixtures, and other landlord-owned property
🏠 Umbrella Liability Coverage – Provides extra protection beyond standard liability limits

How Much Does Landlord Insurance Cost?

Landlord insurance costs depend on factors like:
✔️ Property size & location
✔️ Coverage limits & deductibles
✔️ Risk factors (fire zones, flood zones, tenant history, etc.)

💰 Average Landlord Insurance Costs in Pennsylvania:

  • Basic coverage: Starts at $800–$1,500 per year
  • Higher-risk properties: Can cost $2,000+ annually

At Good Apple Insurance, we compare multiple carriers to find you the best coverage at the lowest price.

Why Choose Good Apple Insurance for Your Landlord Coverage?

🏠 Independent Agency Advantage – We shop multiple carriers to find you the best deal.
🏠 Tailored Coverage Plans – Designed to fit your rental property’s unique risks.
🏠 Expert Local Agents – Personalized service from licensed professionals in York, PA.
🏠 Fast & Hassle-Free Quotes – Save money while protecting your investment.

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