Landlord Insurance

What You Need to Know

Are you a “Landlord”???

Do you rent out one or more residential homes, duplex, apartments, condos. If you answered YES, then you need Landlord Insurance.

Here’s what you should know about Landlord Insurance.

Being a landlord, you need protection from financial loss that may result from damages to a rental property due to fire, theft, storms, vandalism and tenant damage. Landlord Insurance can also help cover loss of income in the event your rental property becomes uninhabitable due to a covered loss.


Another reason you need Landlord Insurance is that you could be liable if you do not keep the property safe or properly maintained. If something goes wrong your tenant could file a lawsuit against you. Landlords can be held liable for many different situations. The most common are injuries resulting from slips, property damage from leaky pipes, and damage from break-ins.

Do you know as a landlord you are within your rights to request your tenant’s have Renter’s Insurance?

Keep in mind, if it is not written in your tenant’s current lease you cannot force your tenant to buy it. However, when it comes time for your tenant to renew their lease, then as a landlord can require your tenant to have Renter’s Insurance, as a condition of signing the new lease. This requirement must apply to every tenant.

As a landlord, it is also advisable you require renters to have Renter’s Insurance. 

* If you rent your house/condo out Short Term or as a Vacation Rental, a Landlord Policywill not provide you the proper protection you need. Be sure to contact your insurance agent to make sure you are properly covered.

Motz-Rusin Insurance serving Palm Springs, Cathedral City, Rancho Mirage, Palm Desert, Indian Wells, La Quinta, Indio, Bermuda Dunes, Coachella and the Greater Palm Springs Area.

This article is for informational purposes only.

For further information contact Motz-Rusin Insurance Agency in Palm Desert at 760-564-3888 or go to

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