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2604 W Kenosha St, #143
Broken Arrow, OK 74012

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Oklahoma Insurance Blog

How Does Landlord Insurance Differ From Home Insurance?

If you have purchased investment properties that you plan on renting out, you may learn that you do not need home insurance on the property. Instead, you need a type of insurance product referred to as landlord insurance. If this is your first time purchasing an investment home, you may find yourself wondering what the differences between home insurance and landlord insurance are.

Our team of insurance experts at Greater Tulsa Insurance Inc., serving the greater Tulsa, OK area, explains how landlord insurance differs from home insurance. 

How Does Landlord Insurance Differ From Home Insurance?

Landlord and home insurance are very similar to each other. They both cover the main structure of your home, such as protecting the roof in a hail storm or paying for damage caused by a burst pipe. However, the major difference between landlord insurance and home insurance is what belongings are covered inside of the home.

Home insurance covers all of your belongings, such as furniture, clothing, jewelry, and art. Landlord insurance does not. This type of policy may cover large items that are found in your rental home, such as your appliances, but that is all that the policy covers. A renter will need to purchase renters insurance to ensure their belongings are covered in the event of a fire, theft, or other unexpected events. 

Contact Us Today

Landlord insurance is similar to home insurance, but it is not exactly the same. If you are looking to rent out your home and no longer live in it yourself, you need to purchase landlord insurance rather than home insurance. The team at Greater Tulsa Insurance Inc., serving the greater Tulsa, OK region, can help you with all of your insurance needs. Reach out to us today to obtain an estimate for a landlord insurance policy. 

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