Get affordable landlord insurance from IDR — customized coverage to protect your property, income, and peace of mind.
IDR’s Standard Landlord Insurance typically includes essential protections for your property, income, and legal liability.
Protects your rental’s structure—roof, walls, floors, and built-ins—against damage from covered risks and perils.
Key Details (Landlord Insurance)
Covers attached structures and permanently installed fixtures.
Settlement options include Replacement Cost (RC) or Actual Cash Value (ACV); roof-surfacing endorsements may apply.
Choose coverage limits based on current rebuilding costs, including labor and materials.
Claims & Next Steps
Ensure safety first — prevent further damage by turning off water or power if necessary.
Document everything with photos or videos and keep damaged items until we advise.
Notify IDR and your insurance carrier promptly — we’ll assist you with filing and tracking your claim.
Save all receipts for emergency repairs, mitigation efforts, and temporary housing expenses.
Document Checklist
Lease agreement and tenant contact details
Recent maintenance or inspection records
Purchase or upgrade invoices (roof, HVAC, appliances)
Property photos (including pre-loss images, if available)
Landlord Insurance covers detached garages, fences, and sheds—typically a percentage of your dwelling limit, adjustable to your needs.
Landlord Insurance covers detached garages, fences, and sheds—typically a percentage of your dwelling limit, adjustable to your needs.
Key Details (Landlord Insurance)
Confirm how detached structures are used (storage vs. business) to prevent coverage gaps.
Increase coverage limits if you’ve added or upgraded detached improvements like garages, fences, or sheds.
Claims & Next Steps
Ensure the area is safe and prevent further damage (turn off water or power if necessary).
Take photos or videos of all damage and keep affected items until we provide guidance.
Notify IDR and your insurance carrier promptly — we’ll help you file and track your claim.
Keep receipts for emergency repairs, damage control, and temporary accommodations.
Document Checklist
Lease agreement and tenant contact details
Recent maintenance or inspection reports
Invoices for purchases or upgrades (e.g., roof, HVAC, fences, sheds)
Property photos (including pre-loss images, if available)
Landlord Insurance covers appliances, carpeting, and furnishings you own, providing protection for your property—not the tenant’s belongings.
Key Details (Landlord Insurance)
Coverage is often on an Actual Cash Value (ACV) basis; ask about Replacement Cost options if available.
Set a realistic sub-limit for furnished units to ensure adequate protection for your belongings.
Claims & Next Steps
Ensure the area is safe and prevent further damage (turn off water or power if necessary).
Document damage with photos or videos and retain affected items until advised.
Notify IDR and your insurance carrier promptly — we’ll guide you through filing and tracking your claim.
Keep receipts for emergency repairs, mitigation efforts, and temporary housing.
Document Checklist
Lease agreement and tenant contact details
Recent maintenance or inspection records
Purchase or upgrade invoices (appliances, carpeting, HVAC, roof)
Property photos, including pre-loss images if available
Landlord Insurance covers lost rental income, ensuring steady cash flow while repairs are made after a covered loss.
Key Details (Landlord Insurance)
Coverage applies only if the damage is caused by a covered peril and the rental unit becomes uninhabitable.
Time and dollar limits apply — set coverage based on your local market and typical repair timeframe.
Claims & Next Steps
Ensure the area is safe and prevent further damage (turn off water or power if needed).
Document damage with photos or videos and retain affected items until instructed.
Notify IDR and your insurance carrier promptly — we’ll assist with filing and tracking your claim.
Keep receipts for emergency repairs, mitigation efforts, and temporary housing costs.
Document Checklist
Lease agreement and tenant contact information
Recent maintenance or inspection records
Invoices for purchases or upgrades (roof, HVAC, appliances)
Property photos, including pre-loss images if available
It provides coverage for bodily injury or property damage claims related to your rental property, including legal defense costs.
Key Details (Landlord Insurance)
Consider a personal umbrella policy for additional liability coverage.
Inquire about Personal/Advertising Injury protection, such as claims from wrongful eviction.
Claims & Next Steps
Ensure the property is safe and prevent further damage (turn off water or power if needed).
Document the damage with photos or videos and retain affected items until instructed.
Notify IDR and your insurance carrier promptly — we’ll assist with filing and tracking your claim.
Keep receipts for emergency repairs, mitigation efforts, and temporary housing costs.
Document Checklist
Lease agreements and tenant contact details
Recent maintenance or inspection records
Purchase or upgrade invoices (roof, HVAC, appliances)
Property photos, including pre-loss images if available
It provides goodwill coverage for minor guest injuries, helping prevent larger disputes and protecting your rental business reputation.
Key Details (Landlord Insurance – Medical Payments)
Covers initial medical expenses for guests injured on your property, regardless of fault (within policy limits).
Does not cover you or household members.
Claims & Next Steps
Ensure the area is safe and prevent further damage (turn off water or power if necessary).
Document damage or incidents with photos or videos and retain affected items until instructed.
Notify IDR and your insurance carrier promptly — we’ll assist with filing and tracking your claim.
Keep receipts for emergency repairs, mitigation efforts, and temporary housing if applicable.
Document Checklist
Lease agreements and tenant contact information
Recent maintenance or inspection records
Invoices for purchases or upgrades (roof, HVAC, appliances)
Property photos, including pre-loss images if available
It adds protection for sewer and drain backups, while standard flood damage remains excluded from coverage.
Key Details (Landlord Insurance – Sewer & Drain Backup)
Select a coverage limit based on your basement or finished area — more finished space may need higher limits.
A separate deductible often applies for this coverage.
Claims & Next Steps
Ensure the area is safe and prevent further damage (turn off water or power if necessary).
Document damage with photos or videos and retain affected items until instructed.
Notify IDR and your insurance carrier promptly — we’ll guide you through filing and tracking your claim.
Keep receipts for emergency repairs, mitigation, and temporary housing.
Document Checklist
Lease agreements and tenant contact information
Recent maintenance or inspection records
Invoices for purchases or upgrades (roof, HVAC, appliances)
Property photos, including pre-loss images if available
It covers mechanical and electrical breakdowns of key systems, including HVAC, boilers, and major appliances.
Key Details (Landlord Insurance – Mechanical & Electrical Breakdown)
Covers sudden breakdowns of systems and appliances, not normal wear and tear.
Often includes coverage for spoilage, extra expenses, and diagnostic costs.
Claims & Next Steps
Ensure the area is safe and prevent further damage (turn off water or power if needed).
Document damage with photos or videos and retain affected items until instructed.
Notify IDR and your insurance carrier promptly — we’ll assist with filing and tracking your claim.
Keep receipts for emergency repairs, mitigation efforts, and temporary housing if needed.
Document Checklist
Lease agreements and tenant contact information
Recent maintenance or inspection records
Invoices for purchases or upgrades (roof, HVAC, appliances)
Property photos, including pre-loss images if available
It covers wind and hail damage to your building, with attention to percentage-based deductibles and roof settlement terms.
Key Details (Landlord Insurance – Wind & Hail Damage)
Certain areas may have separate deductibles for named storms or wind/hail events.
Roofs are often settled at Actual Cash Value (ACV) unless Replacement Cost (RC) coverage is added — confirm before a storm occurs.
Claims & Next Steps
Ensure the property is safe and prevent further damage (turn off water or power if necessary).
Document damage with photos or videos and retain affected items until instructed.
Notify IDR and your insurance carrier promptly — we’ll assist with filing and tracking your claim.
Keep receipts for emergency repairs, mitigation efforts, and temporary housing.
Document Checklist
Lease agreements and tenant contact information
Recent maintenance or inspection records
Invoices for purchases or upgrades (roof, HVAC, appliances)
Property photos, including pre-loss images if available
It covers additional costs to meet current building codes after a covered loss, including demolition and rebuild upgrades.
Key Details (Landlord Insurance – Building Code Upgrades)
Older properties benefit most, as code upgrades can be costly.
Typically offered as 10%, 25%, or 50% of the dwelling limit — choose the amount suitable for your jurisdiction.
Claims & Next Steps
Ensure the property is safe and prevent further damage (turn off water or power if necessary).
Document damage with photos or videos and retain affected items until instructed.
Notify IDR and your insurance carrier promptly — we’ll guide you through filing and tracking your claim.
Keep receipts for emergency repairs, mitigation efforts, and temporary housing.
Document Checklist
Lease agreements and tenant contact information
Recent maintenance or inspection records
Invoices for purchases or upgrades (roof, HVAC, appliances)
Property photos, including pre-loss images if available
A common landlord claim involves vacant units—be aware of coverage limits when your property remains unoccupied.
Key Details (Landlord Insurance – Vacancy Coverage)
Some insurers limit or void coverage if a property remains vacant for an extended period.
Document any damage immediately; a police report may be required in certain cases.
Claims & Next Steps
Ensure the property is safe and prevent further damage (turn off water or power if necessary).
Take photos or videos of the damage and retain affected items until instructed.
Notify IDR and your insurance carrier promptly — we’ll assist with filing and tracking your claim.
Keep receipts for emergency repairs, mitigation, and temporary housing.
Document Checklist
Lease agreements and tenant contact information
Recent maintenance or inspection records
Invoices for purchases or upgrades (roof, HVAC, appliances)
Property photos, including pre-loss images if available
It offers limited coverage for your personal items, with tenant theft typically excluded unless an endorsement is added.
Key Details (Landlord Insurance – Personal Property Coverage)
Review sub-limits and exclusions, especially for tenant theft or losses during renovations.
Keep receipts and record serial numbers; a police report is usually required for theft claims.
Claims & Next Steps
Ensure the property is safe and prevent further damage (turn off water or power if necessary).
Document damage with photos or videos and retain affected items until instructed.
Notify IDR and your insurance carrier promptly — we’ll assist with filing and tracking your claim.
Save receipts for emergency repairs, mitigation, and temporary housing.
Document Checklist
Lease agreements and tenant contact information
Recent maintenance or inspection records
Invoices for purchases or upgrades (roof, HVAC, appliances)
Property photos, including pre-loss images if available
It covers repair or replacement costs for underground water, sewer, or power lines running from the street to your property.
Key Details (Landlord Insurance – Underground Utility Coverage)
Covers excavation, outdoor property restoration, and loss of use due to damaged underground lines.
Especially beneficial for older properties and lots with many trees.
Claims & Next Steps
Ensure the property is safe and prevent further damage (turn off water or power if necessary).
Document damage with photos or videos and retain affected items until instructed.
Notify IDR and your insurance carrier promptly — we’ll assist with filing and tracking your claim.
Keep receipts for emergency repairs, mitigation efforts, and temporary housing.
Document Checklist
Lease agreements and tenant contact information
Recent maintenance or inspection records
Invoices for purchases or upgrades (roof, HVAC, appliances)
Property photos, including pre-loss images if available
IDR rewards loyalty with bundle discounts, making it easier and more affordable to manage all your insurance needs.
Avoid coverage gaps—IDR makes landlord insurance simple, affordable, and dependable for your peace of mind.
The IDR Advantage
Personalized Coverage – Customized insurance solutions for your rental property.
Affordable Options – Flexible plans designed to fit your budget.
Trusted Advisors – Experienced agents providing guidance, not just automated solutions.
Three simple steps for complete peace of mind.
View coverage options customized specifically for your rental property needs.
Secure your insurance coverage and enjoy complete peace of mind.
At IDR Insurance, we value transparency. Several factors can influence your insurance rate:
Location & ZIP Code – Areas prone to natural disasters or high crime may have higher rates.
Home Age & Construction – Older homes or certain building materials can affect coverage costs.
Claims History – Past claims may increase your premium.
Credit History – In some states, insurers consider credit history when determining rates.
Explore the IDR Insurance Resource Center for answers to your questions, the latest industry insights, and helpful tools to navigate your insurance and financial decisions.
Trusted by customers worldwide for dependable service and exceptional results.
“I’ve never felt more secure. IDR Insurance gave me peace of mind knowing my home and belongings are fully protected.”
“The customer support is outstanding. They answered all my questions and guided me through choosing the right coverage for my needs.”
“Affordable rates, excellent coverage, and a team that genuinely cares. IDR Insurance has been a game-changer for my family.”
A typical landlord policy includes:
Property protection – Covers damage from fire, storms, vandalism, or theft.
Liability coverage – Protects you if someone is injured on your rental property.
Rental income protection – Reimburses lost rent if the property becomes uninhabitable due to a covered event.
Optional add-ons can include flood, earthquake, or extended liability coverage.
Yes, most landlord policies generally cover lost rental income if your property becomes uninhabitable due to a covered event, such as fire or severe storm damage. Always double-check with your agent to ensure this protection is included.
Landlord insurance costs depend on the property’s location, size, tenant type, and chosen coverage. On average, it runs about 15–25% higher than standard homeowners insurance, providing valuable protection and peace of mind.
Typical exclusions include normal wear and tear, maintenance-related damage, and tenants’ personal belongings (which require renter’s insurance). Flood and earthquake coverage usually require separate add-ons.
Yes. Standard homeowners insurance covers owner-occupied homes, not rental properties. If you rent out your property, typical homeowners policies usually won’t protect against tenant-related damage, liability, or lost rental income. Landlord insurance is designed to cover these gaps.
Yes, and it’s a wise choice. While landlord insurance doesn’t cover tenants’ personal belongings, requiring renters insurance safeguards their property and helps reduce your liability.
Call, text, or click. We’re ready when you are.
Call: 636 556 5555 / 314 499 8888
Mail: support@idrinsurance.com
Chesterfield Office: 691 Trade Center Blvd, Chesterfield, MO 63005
Ofallon Office: 1001 Boardwalk Springs Pl #111, O'Fallon, MO 63368
Complete coverage for homes of all sizes with IDR Insurance.
