Landlord Insurance Quotes for NYC Rental Properties!
Get a landlord insurance quote with Smart Apple insurance brokers! We make landlord insurance NY easy, affordable, and customized for property owners across New York City. It provides coverage against property damage, liability risks, and lost rental income. If you own one rental, multiple units or commercial buildings. We have got you covered. Call (718) 523-5353 or get a landlord Insurance quote online today!
Residential and Commercial Landlord Insurance – We have Got It All!
Whether you are renting out a single apartment or managing a commercial building, Smart Apple has options for:
Commercial Landlord Insurance
Tailored for buildings with offices, retail spaces, or mixed-use properties.
Multi-Property Landlord Insurance
Bundle your properties under one policy and save!
Homes Rented to Family
Protect your liability and property with trusted NY landlord insurance brokers.
What Does Landlord Insurance Cover?
Here is what landlord Insurance policy includes:
- Building Insurance: Protection against fire, water damage (external water source damage requires flood insurance), storms, and structural repairs.
- Landlord Liability Insurance: Covers tenant injury claims or property damage caused by your rental (slips, falls, burst pipes, etc.).
- Loss of Rent Insurance: Compensation if your property becomes unlivable due to damage.
- Accidental or Malicious Damage by Tenants: Covers damage caused by tenants, including negligence.
- Legal Expenses and Landlord Emergency Cover
- Optional Add-ons: Landlord boiler insurance, landlord fixtures and fittings insurance, pet damage insurance and public liability insurance.
Smart Apple! Your Right Choice for Landlord Insurance in NYC
Owning rental property in New York comes with several risks, from tenant damage and water leaks to lawsuits and unpaid rent. That is where we come in. With Smart Apple NY Landlord Insurance brokers, you’ll get:
- Protection from tenant damage
- Coverage for loss of rent
- Liability protection if someone gets hurt
- Building coverage for fires, leaks and storms
- Custom coverage for multi-unit and commercial properties
Whether you are renting to a family, listing on Airbnb, or managing an HMO (house in multiple occupation). Our team helps you build a policy that protects your investment.
Quick Note: It is important to understand that temporary rentals from properties that are vacant for a longer period of time require vacant property insurance.
How Much Landlord Insurance Do I Need?
The cost of landlord insurance NYC depends on several aspects:
- The property type of your building, whether it is residential, commercial or mixed use.
- Number of units
- Property value
- Level of tenant risk
- Rent income coverage needs
Smart Apple landlord insurance brokers help you to calculate exactly what is right for you!
Why Landlords in NYC Trust Smart Apple Insurance
With 13 years of NYC expertise, we know New York’s rental laws, building codes, and common landlord pitfalls.
Trusted Partnerships:
We work with top rated landlord insurance carriers to get you the best coverage and pricing.
Customized Policies:
From condos to commercial spaces, we tailor policies for your specific situation.
Quick Quotes and Easy Process:
Fast, simple, and no paperwork headaches.
Secure your investment with Smart Apple’s expert help. Find the best landlord insurance brokers in Brooklyn and throughout the five boroughs with us. We are here for you.
- E-mail: Info@smartapple.us or
- Fill out our online form for a Quote.
Get a landlord insurance quote in NYC today!
FAQs About Landlord Insurance in NYC
Yes. It is important to secure landlord insurance even if you already have homeowners insurance. Homeowners insurance does not cover rental activity. Landlord insurance protects you as a property owner who rents.
Yes. Many landlords require tenants to carry renters insurance and name the landlord as an “additional interest.”
Typically, yes, because rentals carry more risk. But Smart Apple helps you find affordable rates for the coverage you need.
The landlord is responsible to pay for building insurance. In some cases, this cost is factored into the lease or service charges.
Yes, landlord insurance covers tenant damage if you add tenant damage coverage. We help you include it in your plan.
Yes. Landlord insurance covers water damage and leaks. Especially if caused by burst pipes or appliance failure.
Yes! You definitely need landlord insurance if you are renting to a family. Even renting to relatives carries liability risk.
It refers to tenant liability insurance, which covers damages caused by the tenant to the landlord’s property. Some landlords require tenants to carry this.
Yes, many landlord insurance policies include loss of rental income coverage. If your rental property becomes uninhabitable due to a covered event, like fire or significant damage. This coverage helps replace the rental income you’d lose while repairs are being made.
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