Protect your rental property, income, and liability with coverage designed for the unique needs of owning and leasing property.
Owning a rental property brings different responsibilities than owning the home you live in. Landlord insurance is designed to help protect the property itself while addressing exposures that come with renting it to others.
Enxura helps New York property owners explore coverage for single-family rentals, two- to four-family properties, rental condos, townhomes, and other eligible residential rental properties.
Coverage can include protection for the dwelling, landlord-owned property, liability, lost rental income following certain covered losses, and other exposures depending on the policy selected.
Larger apartment buildings, mixed-use properties, and other commercial rental exposures may require commercial property or habitational insurance instead.
Landlord insurance can bring together several important protections for residential rental property owners. Coverage, limits, exclusions, and terms vary by policy and insurer.
Helps repair or rebuild the insured rental property following a covered loss.
Helps protect eligible detached structures such as garages, sheds, fences, and similar property.
Provides coverage for eligible appliances, equipment, furnishings, and other property owned by the landlord and kept at the premises.
Helps provide financial protection against certain covered claims involving bodily injury or property damage for which you are legally responsible.
May help replace eligible rental income when a covered loss makes the property temporarily uninhabitable.
Additional protection may be available to address exposures specific to your property, tenants, and rental operation.
Additional protection may be available for certain losses caused by backed-up sewers, drains, or sump systems.
Coverage may be available for certain sudden mechanical or electrical breakdowns involving eligible building systems and equipment.
May provide additional protection for increased repair or rebuilding expenses required by current building codes following a covered loss.
Additional protection may be available for landlord-owned appliances, furnishings, equipment, and other eligible property.
Higher liability limits may be available depending on the property and the owner's coverage needs.
Additional liability protection may be available above qualifying underlying landlord or property liability coverage.
A rental property isn't insured the same way as a primary residence. Enxura helps property owners understand the coverage designed for landlords and explore protection appropriate for their properties.
Understand your coverage choices, where limitations may exist, and which additional protections may make sense for your property.
Explore insurance solutions based on the property's use, characteristics, occupancy, and your needs as an owner.
As tenants, properties, and ownership needs change, Enxura can help you review your coverage and available options.
Landlord insurance can provide protection for the rental dwelling, eligible landlord-owned property, premises liability, other structures, and loss of rental income following certain covered losses.
Yes. Homeowners insurance is primarily designed for owner-occupied residences, while landlord insurance addresses exposures associated with renting residential property to tenants.
Generally, no. A landlord policy is intended to protect the landlord's insured property and financial interests. Tenants should obtain renters insurance to protect their own belongings and personal liability.
Many landlord policies include or offer fair rental value or loss-of-rents coverage, which may replace eligible rental income when a covered loss makes the property temporarily uninhabitable, subject to policy terms and limits.
Landlord insurance costs can vary based on the property's location, age, construction, number of units, replacement cost, claims history, coverage limits, deductibles, and other underwriting factors.
Coverage may be available for eligible residential multifamily properties. The appropriate policy depends on factors such as the number of units, occupancy, ownership structure, and property use. Larger or mixed-use properties may require commercial or habitational coverage.
Tell us about your rental property and what you're looking to protect. Enxura can help you explore coverage options that are right for you.
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