The insurance your rental property actually needs.

Most investors either overpay, underinsure, or both. We fix that.

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Why Rental Property Insurance Is Different

Insurance protects your cash flow, not just your property.

If a tree falls on the roof, insurance pays for the repair and covers your lost rent while the property is uninhabitable. Without it, you're writing a $15,000 check and losing $1,400/month in rental income until it's fixed.

Your mortgage lender requires it, but the real reason it matters is cash flow protection. Standard homeowner's policies explicitly exclude income-producing properties. When an investor tries to claim on damage to a rental, the carrier denies it. By then, you're dealing with property damage and no coverage.

Investors need a different kind of protection. It's not just about property damage—it's about the income you lose when a property is uninhabitable, the liability exposure from tenants, and the risks that come with managing multiple units.

What rental investors actually need:

  • Dwelling coverage for property damage
  • Liability protection against tenant injuries and lawsuits
  • Loss of rent coverage when the property is uninhabitable
  • Personal property coverage (if furnished units)
  • Umbrella or excess liability for portfolio investors

How Lineage Insurance Works

1

We shop multiple carriers

You don't get a single option. We source quotes from multiple carriers to find the right coverage at the right price for your specific property and portfolio.

2

Insurance is placed at closing

Insurance isn't something you scramble to figure out after the acquisition. It's integrated into the transaction workflow, so coverage is in place when you need it.

3

Annual loss run reviews

We review your coverage every year against current property value and market conditions. As your portfolio grows and market rates change, your coverage stays current.

4

One less provider to manage

Everything stays within the Lineage platform. You're not juggling separate insurance quotes, renewal reminders, or loss run documents from another vendor.

What's Covered

Dwelling Coverage

Protection against damage to the structure itself: fire, theft, wind, and vandalism. This is the foundation of rental property insurance and the most frequently claimed coverage type.

Liability Protection

If a tenant or visitor is injured on the property and sues you, this covers medical expenses and legal costs. Critical coverage that most investors underestimate the value of.

Loss of Rent Coverage

If the property becomes uninhabitable due to a covered loss, this reimburses the rental income you would have collected. Protects your cash flow during recovery.

Personal Property

For furnished units, coverage for appliances, furniture, and fixtures you provide. Less common but essential for higher-end or short-term rental properties.

Umbrella/Excess Liability

For investors with multiple units or significant assets, excess liability coverage kicks in when standard liability limits are exceeded. Crucial for portfolio protection.

Additional Coverages

Depending on property type and location: flood insurance, earthquakes, robbery, equipment breakdown. We recommend what makes sense for your specific risk profile.

Three Insurance Mistakes Rental Property Investors Make

1

Using a homeowner's policy on a rental

The easiest mistake to make. You think insurance is insurance. Then you have a claim, and the carrier denies it because the policy explicitly excludes rental properties. Recovery is complex and expensive.

2

Underinsuring to save on premiums

Cutting coverage limits to save a few hundred dollars a year creates catastrophic risk. One major claim can wipe out years of savings. Most claims exceed the coverage limits chosen by under-insured investors.

3

Never reviewing coverage annually

Property values change. Rents change. Market conditions change. If you're not reviewing coverage every year, you're either over-insuring or under-insuring by default. This creates inefficiency and risk.

Frequently Asked Questions

Do I have to use Lineage insurance?+
No. Insurance placement is available as part of your transaction workflow, but you're not required to use it. That said, most investors find it simpler and more cost-effective than shopping separately. You get competitive quotes from multiple carriers, annual reviews are automated, and everything stays integrated into the platform.
How much does rental property insurance cost?+
Rental property insurance typically ranges from $800 to $2,000 per year, depending on the market, property characteristics, coverage limits, and deductible. A single-family property in a low-risk market costs less than a multi-unit building in a high-risk area. We'll provide accurate quotes for your specific properties during the acquisition process.
What carriers do you work with?+
We work with multiple national and regional carriers including State Farm, Allstate, Landlord Partners, American Coastal Insurance, and others depending on your property type and location. Rather than limiting you to one carrier, we shop all available options to find the best coverage and pricing for your specific situation.
What happens if I already have insurance?+
We can review your existing policy to ensure you're properly covered. Often, investors discover their policy is either inadequate or providing coverage they don't need (and paying for). We'll compare your current policy against quotes from other carriers and help you optimize coverage and cost.
How do coverage reviews work?+
As your portfolio grows, we work with you to review your coverage against current property values, market conditions, and any changes to your portfolio. We check for underinsurance, identify opportunities to optimize coverage, and update your policy if needed.

Get proper coverage at the right price.

Start with a quote tailored to your specific property or portfolio.

Get a QuoteReview Your Coverage