Landlord Insurance

Serving the insurance needs of residential and commercial landlords in Massachusetts, Rhode Island, and New Hampshire since 1986.

For landlords, rental property is more than just a building — it’s a long-term investment and a source of income. From property damage to tenant-related liability and lost rent, landlords face financial risks that can quickly disrupt cash flow and property value.

Landlord insurance helps protect both the physical property and the income it generates.

What Is Landlord Insurance?

Landlord insurance is designed to protect property owners who rent residential or commercial buildings to tenants.

While standard property insurance may cover damage to a structure, landlord insurance focuses on the broader financial exposure tied to rental ownership — including liability, tenant activity, and loss of rental income.

This coverage is built for owners who need protection that reflects how rental properties are used and maintained over time.

Who Needs Landlord Insurance?

Landlord insurance is commonly used by:

• Owners of single-family rental homes
• Multi-unit residential property owners
• Commercial property landlords
• Investors with multiple rental properties
• Property owners renting space to businesses or tenants

Whether you own one rental property or manage a portfolio of buildings, landlord insurance can help protect you from financial losses tied to ownership and tenancy.

Common Coverages for Landlords

Landlord insurance policies can be tailored based on property type, location, and how the building is used. Common coverages may include:

Property Insurance
Helps cover damage to the building itself caused by events such as fire, storms, or vandalism.

Liability Insurance
Provides protection if a tenant or visitor is injured on your property or if you’re held responsible for property damage. It may also provide protection against claims related to tenant injuries, property conditions, or alleged negligence.

Loss of Rental Income
Helps replace lost income if your property becomes uninhabitable due to a covered loss.

Umbrella Insurance
Provides additional liability coverage beyond the limits of your primary landlord policies.

Common Risks Faced by Landlords

Owning rental property comes with risks that can arise unexpectedly, including:

• Tenant or visitor injuries on the property
• Property damage caused by tenants or weather events
• Legal disputes related to property conditions or maintenance
• Loss of rental income following a covered claim
• Liability exposure from common areas or shared spaces

Having the right insurance in place can help reduce the financial impact of these situations and provide peace of mind.

How Much Does Landlord Insurance Cost?

The cost of landlord insurance depends on several factors, including:

• Property type and size
• Residential vs. commercial use
• Number of units or buildings owned
• Location and claims history
• Coverage limits and deductible choices

D’Agostino Insurance works with landlords to help balance coverage needs and costs, ensuring protection is appropriate for both the property and the level of risk involved.

Why Work With D’Agostino Insurance?

D’Agostino Insurance has worked with landlords throughout Massachusetts, Rhode Island, and New Hampshire since 1986. We understand that landlords need insurance coverage that protects both property value and consistent cash flow.

When you work with us, you receive:

• Coverage tailored to rental property ownership
• Access to multiple insurance carriers
• Guidance for both residential and commercial landlords
• Ongoing support as your portfolio changes

Our focus is on helping landlords protect their properties today while supporting long-term investment stability.

Get a Landlord Insurance Quote

If you own rental property and want insurance coverage that reflects the real risks of being a landlord, request a quote from D’Agostino Insurance.

Our team can help you evaluate your coverage options and build a policy that protects your property, income, and long-term investment.