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Get the Right Coverage for Your Rental Property

Landlord insurance protects your rental home, covers liability if a tenant gets hurt, and helps replace lost income if the property is damaged. Standard homeowners insurance won’t cover rental situations, you need landlord coverage to stay fully protected.

Take action today to safeguard your investment and keep your rental income secure.

Get a Quote Learn More About Landlord Insurance

Three Costly Mistakes Landlords Often Make

Renting out a property comes with real risks, and too often landlords discover too late that their coverage is missing key protections. Avoiding these common mistakes can safeguard your investment and your rental income.

Relying on a Homeowners Policy

Once a property is tenant-occupied, a standard homeowners policy no longer applies, leaving major coverage gaps.

Not Requiring Tenants to Carry Renters Insurance

Without renters insurance, you lose a critical layer of protection. If something goes wrong and your tenant is uninsured, the liability can land squarely on you, the landlord.

Assuming Tenant Belongings Are Covered

Landlord insurance does not protect your tenant’s personal property, and many landlords overlook the risk of disputes or misunderstandings when something goes wrong.

Get a Quote Learn More About These Mistakes

Why Landlord Insurance is Different and Necessary

A standard homeowners policy will not cover you once your property is rented out. Landlord insurance, often written as a DP3 policy, protects your structure, your rental income, and your liability as a property owner.

Covers Income Loss

If a covered claim forces your tenant out, your lost rental income is reimbursed.

Protects the Structure

From kitchen fires to hail damage, your investment is covered from the outside in.

Landlord-Specific Liability

You are protected if a tenant or guest is injured and holds you responsible.

Get a Quote

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Think Beyond the Next Deal. Build for the Next Decade

You are not just buying properties. You are buying future income, future leverage, and future problems if you are not building with intention. Protecting your equity is not optional. Neither is building in buffers, safeguards, and systems that can absorb damage without killing your margins.

Treat your portfolio like it is fragile now so it can scale without breaking later.

Hear from Current clients

Chris Barry at Trailstone Insurance went above and beyond to switch us over to a landlord from a homeowners policy with the liability limits we needed at the price we could afford! He followed up on our refund checks and continued to support us until everything had been completed! I really appreciate his time and energy, as well as, a great attitude throughout the process!! Thank you Chris!

— Erika K. Tuscon, AZ

Your Path to the Best Landlord Insurance

At Trailstone Insurance Group, we believe insurance shouldn’t be complicated. Below are some of the most common questions we hear from customers. If you don’t see your question here, feel free to contact us or speak directly with an agent, we’re here to help.

Start With a 15-Minute Call

No one else has your exact life, your business, or your priorities. On this call, we dig into what matters most to you and build a policy around it. No generic quotes. No guessing. Just coverage that’s right for you.

Know Your Options. Protect What Matters.

We check with 40+ A-rated carriers and send a simple video that explains your best coverage options—so you can choose confidently without feeling rushed or pressured.

Make a Confident Choice

After reviewing your options, we make adjustments as needed so your policy fits just right. No more paying for the wrong coverage or putting off peace of mind.

Switch With Confidence. We’ll Handle the Rest.

Forget the hassle of starting over. We make sure your new coverage is in place and your transition is seamless—because getting protected should feel easy.

Find My Best Insurance Rates

Common Questions from Our Customers

FAQs

Use this section to answer questions people have. The copy for each should be only long enough to give a sufficient answer, with internal links to related blog posts for more information.

How is landlord insurance different from homeowners insurance?

Can I require tenants to carry renters insurance?

Does landlord insurance cover short-term rentals like Airbnb or Vrbo?

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Answers you can trust, whenever you need them.

Explore Landlord Insurance in the Learning Center

Insurance shouldn't feel confusing. Our Learning Center gives you clear, helpful information so you can make confident choices about your coverage.

Get the Right Coverage for Your Rental Property

Three Costly Mistakes Landlords Often Make

Relying on a Homeowners Policy

Not Requiring Tenants to Carry Renters Insurance

Assuming Tenant Belongings Are Covered

Why Landlord Insurance is Different and Necessary

Covers Income Loss

Protects the Structure

Landlord-Specific Liability

Think Beyond the Next Deal. Build for the Next Decade

Hear from Current clients

Your Path to the Best Landlord Insurance

Start With a 15-Minute Call

Know Your Options. Protect What Matters.

Make a Confident Choice

Switch With Confidence. We’ll Handle the Rest.

FAQs

How is landlord insurance different from homeowners insurance?

Can I require tenants to carry renters insurance?

Does landlord insurance cover short-term rentals like Airbnb or Vrbo?

Explore Landlord Insurance in the Learning Center

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