Landlord Insurance

Protection for Your Rental Property Investment

Owning rental property can be a great investment—but it also comes with risks. Whether you’re renting out a single-family home, duplex, or multi-unit building, it’s essential to protect your property and your income with the right landlord insurance coverage.

At Paris Insurance Group, we specialize in helping property owners like you find affordable, customized landlord insurance solutions. As a local, independent insurance agency, we shop multiple top-rated carriers to compare coverage options and pricing—so you get the best policy for your needs and budget.

What Is Landlord Insurance?

Landlord insurance (also called rental property insurance) is designed specifically for properties that are rented out to tenants. Unlike homeowners insurance, which covers owner-occupied homes, landlord insurance protects your investment as a business asset.

This type of insurance provides coverage for the structure, liability, and loss of rental income, ensuring that you’re financially protected if the unexpected happens.

What Does Landlord Insurance Cover?

A typical landlord insurance policy includes:

• Dwelling Coverage - Protects the physical structure of the property against risks like fire, storms, vandalism, or other covered damages.
• Loss of Rental Income - Reimburses you for lost rental income if your property becomes uninhabitable due to a covered loss.
• Liability Protection - Covers legal costs and damages if a tenant or guest is injured on your property and you’re found liable.
• Optional Add-Ons - Coverage for detached structures (like garages), landlord furnishings, equipment breakdown, or additional liability protection.

What Do You Need to Know About Landlord Insurance?

Here are a few important things every landlord should know:

• A standard homeowners policy won’t cover tenant-occupied properties.
• Liability risks increase when renting out a home or unit—landlord insurance helps mitigate this risk.
• Some policies may offer protection for tenant-caused damage, but this coverage may need to be added.
• Keeping a safe, well-maintained property can help reduce premiums and claims.

Every rental property is different, and so are the insurance needs. That’s why working with an experienced, independent agent is key.

Why Choose Paris Insurance Group?

As a local and independent agency, Paris Insurance Group offers expert advice and personalized service you can trust. We take the time to understand your rental property, goals, and risks—then shop multiple insurance companies to find the best landlord policy at the right price.

Indiana Landlord Insurance You Can Trust

Protect Your Investment Today.  Located in Westfield, Paris Insurance offers landlord insurance coverage throughout Central Indiana, including Indianapolis, Carmel, Noblesville, Fishers, Zionsville, Whitestown, and Brownsburg. We're also proud to serve the entire state of Indiana from our Westfield office.

Get the Right Rental Property Insurance Today - Whether you're a first-time landlord or a seasoned property owner, let us help you find the perfect coverage. Contact Paris Insurance Group today for a free landlord insurance quote.