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Landlord Insurance
for Rental PropertiesIf you own a property and rent it to others, Farmers offers
an insurance plan that meets the real-world expectations
of landlords today. We specialize in helping landlords like
you get the most value for your money.

Learn more

Landlord and Rental Property Insurance Coverage

The following types of properties are eligible for our program:

  • Multiple location landlord properties (including limited license corporations)
  • Duplexes, triplexes and quads
  • Converted Victorians
  • Row homes
  • Older and lower-value homes
  • Homes with minimal cosmetic conditions
  • Vacant homes
  • Properties under renovation
  • Fixer-uppers
  • Vacation Rental homes - in most states


  • Multi-Policy Discount - Purchase more than one Farmers policy.
  • Discounts for approved fire and burglar safety devices.
  • 50+ - Individuals 50 years of age may receive a discount in select states.

Your Farmers agent can determine if you are eligible for discounts by asking a few questions. Contact a Farmers agent today to ask about all the ways you can save!

Types of coverage:

Comprehensive Property Coverage

We cover most direct, sudden and accidental physical losses that aren't specifically excluded in your policy.

Named Peril Coverage

"Perils" (fire, explosion, lightning, windstorm and hail damage) which are specifically named in your policy, are covered, subject to policy exclusions and conditions.

Optional Replacement Cost

Purchase Optional Replacement Cost coverage and get a settlement that reflects the cost to replace the damaged items with new property of comparable material and quality, without any deduction for depreciation.

Agreed Loss Settlement

If the property is destroyed by an insured loss, you receive the full amount of agreed upon insurance for your home (minus any applicable deductible). No hassles.

Actual Cash Value

This covers the cost to replace or repair your damaged property, with a deduction for depreciation, which reflects the age and condition of your home.

Extended Replacement Cost

You can receive an additional 25% of the insured amount, to replace your home. (Not available in all states.)

Liability Coverage

This provides coverage if you're found legally responsible for an accident that causes injury to someone on the rental premises or causes property damage.

Optional coverage to protect you as a landlord:

  • Loss of Rents
  • Liability limits
  • Personal Injury
  • Landlord
  • Discounts

This brief summary is not a policy document. Please read the actual policy documents for your state for important details on coverages, exclusions, limits, conditions and terms. If there is any conflict between this summary and the policy documents, the policy documents will control. Not all products and discounts are available in every state.