Landlord Insurance in Indiana and Kentucky
Applegate Pulliam Insurance Group writes landlord insurance in Indiana and Kentucky for rental houses, duplexes and small apartment buildings, written as rentals, not as homes.
A rental on a homeowners policy is one of the easiest ways to have a claim denied. We write the property for what it is, and check the liability and loss of rent while we're there.
Landlord insurance, at a glance
- Licensed in
- Indiana and Kentucky
- Companies we quote
- 36
- Quote back
- Usually within 24 hours
- Comes with
- An audit of what you have now
What landlord insurance covers
- The building: fire, wind, hail and other covered damage to the rental.
- Liability: if a tenant or visitor is hurt and blames the property.
- Loss of rent: rent you lose while a covered loss is repaired.
- Your tenants' stuff is not on it: they need renters insurance.
Single rentals to small buildings
One house, a few doors, or a small apartment building. We quote individual policies and, where it makes sense, put several properties together. Lessor's risk (you own the building, a business rents it) is a commercial policy; see small business insurance.
Recovery homes are different
If residents in recovery live in the house, a standard landlord policy may not fit. See sober living home insurance.
Live in one of your properties? Your own place goes on home insurance, and we'll write both.
Landlord insurance questions
- Can I put my rental on a homeowners policy?
- Usually not. A homeowners policy is for the home you live in. A rental needs a landlord (dwelling fire) policy.
- Does landlord insurance cover my tenant's belongings?
- No. Tenants need their own renters insurance. Many landlords require it in the lease.
- Can you insure several rentals together?
- Often, yes. We'll quote it both ways and show you the difference.
Get your rentals quoted the right way
Send the addresses and your current policy. We'll quote it and tell you what's missing.