Homeowner Vs. Landlord Insurance
- Charlotte Burr
- Nov 21, 2025
- 3 min read
If you have ever been in the market for insurance, you have probably encountered the
terms landlord insurance and homeowner insurance. But what exactly are these? And
how are they similar or different?
Well, homeowner insurance, also called hazard coverage by mortgage companies, will
cover quite a few things.
Dwelling Coverage – This covers the structure of your home itself and is used in
the event of a covered loss.
Personal Property Coverage – This covers belongings like clothes, furniture,
televisions, cell phones, and other belongings that are not built into the structure.
It might not, however, cover things like expensive jewelry or large collections.
Always check your policy!
Other Structures Coverage – This covers structures that are not physically part of
the main structure on your property, such as fences or sheds and kicks in in the
event of a covered loss.
Personal Liability Coverage – This covers injuries on your property that might be
happen to non-residents of the home, such as a neighbor who fell down your
stairs and was injured. Damage to others property and lawsuits/lawyer fees. If
your kid were to hit a ball and break a neighbor's window, or if you were sued
from an accident, personal liability coverage may help to pay those expenses.
Loss of Use Coverage – This covers living expenses over and beyond your
regular expenses, such as the cost of meals or a hotel stay, that might arise as
the result of your house being rendered unfit to live in after a covered loss.
Similar to homeowner insurance, landlord insurance will cover the structures on your
property as well as providing personal liability coverage. There are only two major
differences.
Does not cover personal property – Anything within the property is most likely the
tenant’s property and would thus be covered by renter’s insurance.
Loss of rent – This covers any income you might have made from your tenant’s
rent that you are no longer receiving following a covered loss.
Homeowner and landlord insurance are fairly similar. However, if you plan to move out
of a property and rent it out to others, you must inform your insurance company.
Otherwise, the property will not be covered by your homeowner insurance policy.
If you would like to discuss either homeowner insurance or landlord insurance, give AZ Insurance Team a call! As a Tempe-based insurance broker, we can help you find the right policy for your needs and budget! You can reach us at 480.535.5709 or request a quote.
To request a homeowner insurance or landlord insurance quote go here.
How AZ Insurance Team Has Your Back
At AZ Insurance Team, we’ve been serving the Valley for over a decade, helping families and individuals protect what matters most. Whether it’s reviewing your home, auto, or life insurance, summer is the perfect time to make sure you’re covered before the celebrations begin. Reach out today to review your policy and see how much you could save. Peace of mind is just a call or click away.
Independent insurance brokerage located in Tempe, AZ. We offer auto insurance, homeowners insurance, life insurance, renters insurance, commercial insurance…
Disclaimer: Coverage will vary based on state, insurance company, and type of policy
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