Landlord Insurance in Atlanta, GA – Protect Your Rental Properties
Reliable coverage from a local agent who understands your investment.
At The Elkins Agency, we help real estate investors and property owners protect their rental homes with tailored landlord insurance policies. Whether you own a single rental or a growing portfolio, we make the process clear, personal, and easy.
What Your Policy Should Cover in Atlanta, GA
We break down what a strong landlord policy includes — and why it matters.
Property Coverage (Dwelling)
Covers the rental building against perils like fire, wind, and vandalism — usually based on actual cash value or replacement cost.
Landlord Liability
Protection if a tenant or guest is injured on your property and you're found legally responsible.
Loss of Rent
Reimburses lost rental income if your property becomes uninhabitable due to a covered event.
Optional Add-Ons
Ask us about vandalism coverage, umbrella insurance for added liability, or protection for appliances and furniture you provide.
Why Landlord Insurance is Essential in Atlanta, GA
Homeowner vs. Landlord Policies
If you rent your property out, a standard homeowners policy isn’t designed for that. A landlord insurance policy covers a non‑owner‑occupied property, focusing on the building and your landlord liability — not the tenant’s personal belongings.
Risks as a Landlord
From fire, wind damage, tenant vandalism to liability when a guest is injured — landlords face unique exposures. A dedicated policy addresses these risks head‑on.
Income Protection
What happens when a covered loss makes your rental uninhabitable? Loss of rent coverage helps replace your income while repairs are made — because protecting cash flow matters.
Add-Ons That Matter
Smart extras that enhance protection for landlords in Atlanta.
Vandalism Coverage
Add protection for intentional damage by tenants or others.
Umbrella Insurance
Additional liability protection beyond your standard policy.
Landlord Furnishings
Covers supplied appliances or furniture in furnished rentals.
Our Approach to Landlord Insurance in Atlanta, GA
Multiple Properties? No Problem
Whether you own one rental or a portfolio, we can schedule multiple rental homes under one plan and help manage efficiently.
Hard‑to‑Insure Properties
Older homes, units under renovation, or properties with unique risks? We work with specialty markets (DP‑1, DP‑3 dwelling policies) to help you remain protected.
Reliable Coverage, Affordable Rates
We compare carriers known for strong landlord policies — from Steadily, Foremost and beyond — to help you get the right coverage at the right rate.
Guidance for New Landlords
If you’re just getting into rental property ownership, we’ll walk you through what you need: landlord policy vs homeowners, tenants’ renters insurance suggestions, and everything you didn’t know to ask.
Frequently Asked Questions – Landlord Insurance
How much more does landlord insurance cost than homeowners?
On average around 15‑25% more in many cases because of tenant risk and occupancy changes. We’ll run quotes so you know your exact difference.
Will landlord insurance cover tenant damage?
Unintentional damage caused by a tenant (like a fire they accidentally start) is typically covered — but deliberate or vandalism damage may require a separate endorsement. We’ll help you add where required.
Do I need a separate policy for each rental property?
It depends. Some insurers allow multiple properties on one policy; others may require separate ones. We’ll find the structure that works best for your properties.
Are my tenants’ belongings covered by my policy?
No — your landlord policy protects your property and liability only. Tenants should carry their own renters insurance for their personal items; we can help guide them too.
Safeguard Your Investment in Atlanta, GA
Your rental property is a business — and it deserves business-grade protection.