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Landlord Insurance

Coverage for your rental property.

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a landlord with AAA rental property insurance hands over keys to a rental

Landlord Insurance Coverage

AAA provides dependable coverage to help safeguard your investment property. Coverage levels and specific details are customizable to meet your unique needs and generally include:


Dwelling Damage

Landlord Insurance typically covers damage to the physical structure of your rental property, including the roof, garage and deck, from perils such as fire, wind, and hail.



Loss of Rental Income

If a hazard such as fire, smoke, or water makes your property uninhabitable, your lost rental income may be replaced to help cover the mortgage, taxes, and repairs.



Liability Coverage

If a tenant or visitor gets injured on your property, you might end up in court. Liability protection may cover their medical expenses as well as your legal costs.

Ways to Save

Talk to your Agent to see if you're eligible for these and other Landlord Insurance discounts and you could save up to:


15%

For having a security system on the property

5%

For being a AAA Member

Comparing Landlord and Renters Insurance

Understanding where a landlord's insurance policy ends and a renter's policy begins can be tricky to navigate. Here's a closer look at what the two types of insurance typically cover:

Landlord Insurance

  • Structural damage caused by perils, not normal wear and tear.
  • Personal belongings provided by landlord, like appliances and furniture.
  • Lost rental income should the home become uninhabitable due to a covered peril.
  • Personal liability for the landlord only should someone get injured on the property.
  • Additional insurance coverage available for earthquake and flood.
  • Coverage typically purchased by the owner of the property.

Renters Insurance

  • Does not typically cover damage to the home.
  • Renter's personal property that may be stolen or damaged by smoke, fire, or other perils.
  • Renter's temporary living expenses, should the home become uninhabitable due to a covered peril.
  • Personal liability for the renter only should their guest get injured on the property.
  • Additional insurance available for high-valued personal property.
  • Coverage typically purchased by renter(s) of the property.
Learn More

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Products and their features may not be available in all states. All policies are subject to policy terms, underwriting, guidelines and applicable laws. The availability, qualifications, and amounts of coverages, costs and discounts may vary from state to state and there may be coverages and discounts not listed here. In addition, other terms, conditions, and exclusions not described above may apply, and total savings may vary depending on the coverages purchased. For more information regarding your eligibility for certain coverages and savings opportunities, please contact your AAA agent.

Insurance products in Arizona are offered through AAA Arizona Inc., License #8301727 and Sunstate Insurance Agency, LLC, License #17203444; in California through AAA Northern California Insurance Agency, License #0175868; in Montana through AAA Montana, Inc., License #9756; in Nevada by AAA Nevada, in Utah by AAA Utah; and in Wyoming through AAA Mountainwest Inc. License #172603. Life insurance and annuities underwritten by AAA Life Insurance Company, Livonia, MI. AAA Life Insurance Company is licensed in all states except NY. CA Certificate of Authority #07861.

Auto and Home insurance provided by CSAA Insurance Group, a AAA Insurer.