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Encompass® Landlord Insurance

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Peace of mind for your rental property

When you’re a landlord, you have different coverage needs than the average homeowner. It’s important to protect your investment in case renters cause damage. Encompass gives you greater property and liability coverage along with the option to tailor solutions.

Encompass landlord insurance offers:

Standard features

DWELLING PROTECTION

Covers your rental property and structures attached to it, such as a garage or deck.

OTHER STRUCTURES PROTECTION

Covers other buildings on your property that are separate from the dwelling, like a stand-alone garage or shed.

PERSONAL PROPERTY PROTECTION

Covers the loss of furniture and other contents you provide to renters in case of an incident such as fire.

LIABILITY PROTECTION

Helps protect you if you are held legally responsible for an injury on your property.

PREMISES MEDICAL PROTECTION

May help pay for necessary medical expenses including surgery, x-rays and dental work if someone is injured on your rental property.1

FAIR RENTAL INCOME

Pays the rental value you would normally receive from your rental property if it is no longer habitable due to a covered loss.

WATER BACK-UP

Pays for water damage caused by backed up sewers, drains or sump pumps.

BUILDING CODE COVERAGE

Covers increased costs due to the enforcement of any building codes, ordinances or laws regulating construction, maintenance or demolition of your rental property, when discovered in the event of a covered loss.

FIRE DEPARTMENT CHARGES

Increases limits beyond the base policy for the fee a fire department may charge when responding to a call after a covered incident.

LOSS ASSESSMENTS

Covers the repair assessment if something happens to your Homeowners Association’s shared buildings or common areas due to a covered loss.

FUNCTIONAL REPLACEMENT COST

Covers the cost to repair or replace your rental property with modern construction materials and methods.

DWELLING IN THE COURSE OF CONSTRUCTION

Covers the cost of a property that is undergoing construction.

BUILDING MATERIALS THEFT

Adds coverage for the loss of building materials during a remodel or general construction on a rental property.

THEFT & BURGLARY

Covers the interior of your property and contents you provide to renters, like furniture and appliances, in case of theft or burglary.

VANDALISM

Provides coverage for vandalism to the interior of your rental property and the contents you provide to renters.

MULTI-POLICY

Save on your landlord policy just for having another policy with Encompass.

CLAIM FREE

Applies if you are claim-free for the past five years.

It’s your policy—we can help you customize it.

Talk to an Encompass Independent Agent about an Encompass landlord insurance policy to fit your lifestyle.

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