KASTL Insurance Services LLC In partnership with PURE HomeRiver
For property owners

Landlord Liability & Dwelling coverage for your rental

If the property’s damaged, a tenant gets hurt, or the rent stops coming in, the right policy keeps you covered.

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What is Landlord Liability & Dwelling coverage?

Landlord Liability & Dwelling (LLD) coverage protects a home you own and rent to others. A standard homeowner’s policy generally stops covering a property once it’s tenant-occupied — LLD coverage is built for exactly that situation.

Protects the dwelling

Covers the building against fire, storms, and other covered events — repairing or rebuilding the structure you rent out.

Liability protection

If a tenant or visitor is injured at your property and you’re held responsible, it helps cover legal costs and claims.

Lost rental income

If a covered loss makes the home uninhabitable, it can reimburse the rent you’d lose while repairs are underway.

Often required

Most mortgage lenders and property managers require LLD coverage before a home can be rented out.

Not the same as renters insurance. Landlord Liability & Dwelling coverage protects your property and your liability as the owner. It doesn’t cover a tenant’s personal belongings — that’s what their own renters policy is for.

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Two trusted partners, both built for rental owners.

SWBC
A diversified financial services company founded in 1976 and headquartered in San Antonio, Texas, SWBC provides insurance, mortgage, and wealth-management products across all 50 states — bringing decades of insurance experience to landlord coverage.
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A real-estate investment platform that coordinates acquisition, financing, insurance, and property management for rental-property investors in one place, with landlord coverage structured specifically for investment properties.
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Not sure which? Get a quote from both and compare.

KASTL Insurance Services LLC, in partnership with PURE HomeRiver, arranges coverage through licensed carrier partners. Coverage descriptions are general summaries; actual coverage, eligibility, and pricing are determined by the issuing carrier and policy. KASTL Insurance Services LLC NPN 22158996.