When comparing landlord insurance policies, it's helpful to know which carriers have a reputation for offering quality and reliable coverage. You want your insurance coverage to come from an insurer that will deliver on its promises if you ever need to file a claim. Customer service availability, financial strength ratings, and customer feedback are all important factors to consider when considering where to buy your landlord insurance.
That's why we've taken the time to compile a list of the Best Landlord Insurance Companies of 2025. Our top picks for the best insurance companies for landlords consider all the coverages landlords need most, as well as other factors customers look for in a carrier. We've considered each carrier's pros and cons when assembling our top picks to provide you with great suggestions. An independent insurance agent can help you get connected with any of these companies to find the best plan for your unique situation.
The 6 Best Insurance Companies for Landlords in 2025
Who has the best landlord insurance? Hopefully, we can help you answer that question very soon. We ranked our top 6 best landlord insurance companies in 2025 based on several criteria.
To determine who sells the best landlord insurance, it's important to factor in a carrier's history of customer satisfaction, coverage options, and more. Find our rankings for the best insurance companies for landlords across several specific categories below.
- Best Landlord Insurance Company Overall: Liberty Mutual Landlord Insurance
- Best Landlord Insurance Company for Bundling Coverage: Allstate Landlord Insurance
- Best Landlord Insurance Company for Enhanced Liability Coverage: American Family Landlord Insurance
- Best Landlord Insurance Company for Single-Family Homes: Travelers Landlord Insurance
- Best Landlord Insurance Company for Multiple Properties: Foremost Landlord Insurance
- Best Landlord Insurance Company for Commercial Coverage: American Family Landlord Insurance
Best Landlord Insurance Company Overall: Liberty Mutual Landlord Insurance
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Offers discounts for being claim-free
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Received below-average scores in a recent J.D. Power U.S. Insurance Study
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Offers bundling discounts
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Offers special protection add-ons
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"A" rating for financial strength from AM Best
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"A" rating from Standard & Poor's
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Customizable coverage options
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Our choice for the best landlord insurance company overall goes to Liberty Mutual. Through Liberty Mutual, landlords can easily customize their policies to meet their needs, whether personal or commercial. Customers can buy standard coverage, such as liability and dwelling, but have the option to add special coverage for inflation protection.
Standard coverage features include fair rental value and fire, wind, and hail. Depending on a customer's specific property, a policy can be customized to include the types of coverage needed in each situation.
Discounts are available for bundling landlord insurance with homeowners insurance or for remaining claims-free for at least five years. You can also receive a discount for getting an advanced quote from Liberty Mutual before your current landlord insurance policy expires.
Liberty Mutual has more than 45,000 employees worldwide and is the eighth-largest property and casualty insurer in the world. The carrier has a long reputation for providing outstanding financial strength since 1912. Customer service is available 24/7 to assist with claims and other needs anytime.
Best Landlord Insurance Company for Bundling Coverage: Allstate Landlord Insurance
| Pros: | Cons: |
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Great for personalized coverage |
Quotes only available from an agent
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Offers great bundling discounts
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Known for financial strength and reliability
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"A+" rating for financial strength from AM Best
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"A" rating from Standard & Poor's Global
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Special add-on coverages available
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Our choice for the best landlord insurance company for bundling coverage goes to Allstate. The carrier offers multi-policy discounts for insuring more than one rental property through them or for purchasing landlord insurance and another policy.
Landlords can build policies that include coverage for liability, fair rental income, burglary and vandalism, dwelling, building codes, and additional structures. Customers also receive premises medical protection to pay for medical bills if a third party sustains a bodily injury on their property. Optional coverages, including flood insurance and umbrella insurance, can be added for an additional cost.
Allstate has about 57,000 employees and its presence extends across six continents. The carrier was originally founded in 1931. Allstate is also great for personalized coverage thanks to its team of independent insurance agents who work with customers to design policies that best meet their needs.
Best Landlord Insurance Company for Enhanced Liability Coverage: American Family Landlord Insurance
| Pros: | Cons: |
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Customizable coverage
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Might need to be an existing American Family customer to get a landlord policy
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Special add-on coverages available
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"A" rating for financial strength from AM Best
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"A" rating from Standard & Poor's
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Our choice for the best landlord insurance company for enhanced liability coverage goes to American Family. The carrier offers landlords the option to extend their liability protection by adding commercial umbrella insurance coverage.
This additional liability protection can help reimburse landlords for multiple types of lawsuits that result in damages of more than $1 million. One possible drawback of American Family's coverage is that outbuilding insurance is only available as an add-on for a separate fee.
American Family is going on 100 years in the insurance industry and dates back to 1927. The carrier has a long-lasting reputation for reliability and solid financial strength. It also offers 24/7 claims reporting for customers.
Best Landlord Insurance Company for Single-Family Homes: Travelers Landlord Insurance
| Pros: | Cons: |
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Customizable coverage
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Received a below-average rating on a recent J.D. Power Insurance Study
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Special discounts available
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Coverage for commercial property and outbuildings available
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"A++" rating for financial strength from AM Best
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Our choice for the best landlord insurance company for single-family homes goes to Travelers. Landlords can buy coverage for single-family homes and multi-family units through the carrier. Coverage extends to dwellings and outbuildings and protects against premises liability, theft, and physical damage.
Loss of use coverage, general liability coverage, umbrella coverage, and medical payments coverage are also available. Landlord insurance from Travelers is highly customizable to meet the needs of customers with single-family rental units or other types of structures in need of protection.
Travelers dates back more than 165 years and has a long reputation for reliability and superior financial strength. Founded in 1864, Travelers offers many types of personal and business insurance. The carrier also offers a wide variety of discounts to help you save on landlord insurance, such as bundling coverage or staying claim-free for a set number of years.
Best Landlord Insurance Company for Multiple Properties: Foremost Landlord Insurance
| Pros: | Cons: |
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Customizable coverage
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Certain coverage add-ons have an additional cost, such as full replacement cost coverage
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"A" rating for financial strength from AM Best
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Customers can bundle rental property coverage into a single policy
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Our choice for the best landlord insurance company for multiple properties goes to Foremost. Landlords can easily customize and manage their coverage from this carrier. No matter how many rental properties you need to insure, you can combine all your coverage into a single landlord insurance policy through Foremost, which helps customers in terms of both convenience and cost savings.
Comprehensive property coverage includes protection from losses due to wind and hail, fire, and explosions. Landlords also have the option to add full replacement cost coverage to reimburse them for the full value of their rental units in case of a total loss.
Customers can also opt for agreed loss settlement coverage, water backup coverage, additional structures coverage, loss of rents coverage, and personal injury coverage. All policies come standard with liability protection included.
Foremost was founded in 1952 and offers coverage nationwide. The carrier offers 24/7 customer service and a wide variety of discounts to help customers save on their coverage. Foremost also works with a large network of independent insurance agents to provide a highly personalized experience.
Best Landlord Insurance Company for Commercial Coverage: American Family Landlord Insurance
| Pros: | Cons: |
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Customizable coverage
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Might need to be an existing American Family customer to get a landlord policy
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Special add-on coverages available
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"A" rating for financial strength from AM Best
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"A" rating from Standard & Poor's
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Our choice for the best landlord insurance company for commercial coverage goes, once again, to American Family. The carrier offers landlord coverage for business owners to protect their business essentials, which is not typically offered in standard landlord policies.
Commercial landlords can find the coverage they need from American Family in policies specifically designed for them since policies are customizable depending on your unique business's needs. Standard coverage includes protection for dwellings and liability, with additional coverage available for flooding and additional structures.
American Family offers a discount if you bundle your landlord coverage with a commercial umbrella policy. Customers can also enjoy a highly user-friendly experience from American Family's website when shopping for or updating their coverage.
American Family is going on 100 years in the insurance industry, and dates back to 1927. The carrier has a long-lasting reputation for reliability and solid financial strength. It also offers 24/7 claims reporting for customers.
How We Select the Best Landlord Insurance Companies
We evaluated landlord insurance companies based on several criteria and applied calculated methodology to come up with our list of top carriers across several categories. More than a dozen landlord insurance carriers were evaluated in terms of pros and cons, including the official website, coverage options, discounts and benefits, coverage rates, online quote availability, financial strength, and history in the insurance industry.
An assessment of combined carrier reputation and landlord insurance coverage options and prices was conducted to craft our list of top picks for providers in every category above. Talking to an independent insurance agent can help you move to the next step.
Sources
https://www.bankrate.com/insurance/homeowners-insurance/best-landlord-insurance/#best-landlord-insurance-companies
