Owner and tenant property are different
The building owner may insure eligible structure and owner-owned contents. Tenants generally need their own contents protection.
For long- and short-term rentals
Flood insurance for rental and investment property.
We’ll help match the coverage to who owns the building and furnishings, how the property is rented, and what the lease requires.
A good place to start
Tell us about the property and what you want to protect.
Tell us how the property is rented, who owns the furnishings, and whether it is used for long-term, seasonal, or short-term stays. Those details can affect which policies are available.
Furnishings can change the exposure
For furnished rentals, document appliances, furniture, and other owner-owned contents rather than assuming they follow building coverage.
Lost rent is not standard NFIP coverage
The NFIP does not cover additional living expense or financial losses such as lost rental income. Private forms vary.
Helpful information
Clarify these rental details
Policy eligibility and coverage can change with occupancy. Tell the agent how the property is actually used and report material changes.
- Long-term, seasonal, or short-term occupancy
- Named owner and property entity
- Owner-owned furnishings
- Property manager contact
- Lease insurance responsibilities
- Need for any income-related coverage
Helpful resources
Check the details from trusted sources.
These official resources can help with program rules and flood maps. Your issued policy is always the final word on coverage.
Questions we hear often
Know what to ask before you decide.
These answers are a helpful starting point. Your policy documents and confirmation from the insurer provide the final answer.
Does a landlord policy cover flood?
Most standard property policies do not include direct flood damage. Separate flood coverage is generally needed.
Can renters insure their belongings?
Eligible renters in NFIP-participating communities can purchase contents-only flood coverage. Private availability varies.
Is lost rental income covered?
It is not covered by the standard NFIP form. Some private or specialty products may address related exposures, subject to their terms.
We’re happy to help
Need a flood insurance quote?
Tell us what you know about the property. We’ll help with the rest and explain your options in plain language.