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An Agency Dedicated to Landlord Insurance

We leverage prior experience advising on real estate transactions of over one billion dollars to build comprehensive coverage for residential and commercial properties.

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Our key focus is landlord insurance. Notable Risk knows real estate (20+ years worth).

Our specialist approach (real estate!) didn’t happen by chance.

It has to do with the fact that we have previous leading experience advising on the acquisition and financing of over one billion dollars of residential and commercial properties (both big and tiny deals).

Notable Risk’s only work these days is to run a trusted independent insurance agency.  That means lots more carrier choices!

Clients get a partner who understands what’s important to real estate investors, whether it involves a single-family rental home or a retail shopping center.  We believe this results in stronger communication and better coverage!

An independent insurance agency with extensive prior risk management experience.

Landlord Insurance


Our earlier work provides a unique breadth of real-estate knowledge, and when combined with our highly-specialized insurance focus, results in a unique resource that clients won’t typically find.  Risk management is at the core of how we work with each client.

Landlord Insurance


We believe that our 20+ years of prior residential and commercial real estate experience makes us one of the best agency choices on the planet for landlord insurance — but we think individually and locally while providing broader resources.

Landlord Insurance


Rental dwellings and commercial assets require diligent attention. Call Notable Risk at 888-897-4815 or click here and let’s strategize now about investment property insurance!

Accountability and access matter (a lot) in today’s markets. We search leading networks to access desirable options when you need business insurance for rental properties.

As an independent agency, Notable Risk is not required to work with any single insurance company.  We believe this limits the choices available to property investors, particularly in a difficult macro insurance market. Instead, our clients obtain valuable access to many of the largest national carriers as well as some of the most coveted specialist companies and wholesalers focused on everything from commercial office or retail to rental property property insurance.

No two investment properties or operations are identical. We enthusiastically dig into the details. Send the complex stuff our way and we'll return reliable solutions.

Notable Risk analyzes your full risk profile and educates you about products that may be important to obtain to protect your real estate business whether you have a few rental homes or a portfolio of apartment buildings:

Landlord Insurance

Master Policies

Multiple properties combined on one policy for greater convenience, flexibility and potentially very significant savings.  Property managers also benefit from reduced administrative burdens.

Landlord Insurance

Tenant Protection

Tenant legal liability programs offer key protection from property damage caused by tenants.  Protection policies create peace of mind for landlords and less reliance on tenant renters insurance.

Landlord Insurance

Vacant Properties

Many policies deny coverage for certain vacancy conditions to rental homes and other investment properties.  Vacant property insurance is available for flexible periods until a seamless transition back to a standard policy.

Landlord Insurance


Whether a single property owner or large portfolio investor umbrella coverage provides increased owner liability protection from third-party claims.

Landlord Insurance

Builders Risk

Protect properties under construction or significant renovation from loss such as theft or fire. Endorsements are available for critical risks like loss of rent due to a covered construction loss.

Landlord Insurance

Other Coverage

Cyber, Flood, Workers Compensation and Employment Practices Liability Insurance are a few of the added coverages.


An independent agency for lots of rental home insurance options and way more!

Expect both: smart landlord insurance policies and a great client experience

Lots of Carrier Access

Our carrier relationships and networks provide us access to top insurance companies for competitive coverage choices important to multi-family and commercial landlords (great solutions for big and small investment properties).   We obtain quotes from some of the largest national carriers to coveted specialist companies.


Great Quote Convenience

We think we found the perfect balance between the convenience of online applications + policy servicing tools and the knowledge and accountability provided by a hands-on advisor.  Plus, our tech integrations create a fast, simple and careful quoting process.



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Risk Management

Upon becoming a Notable Risk client, you participate in super helpful risk-management solutions like contract reviews (for critical insurance shortfalls).

Our Simple Process to Get Landlord Insurance Quotes

The best of both worlds: online convenience + dedicated advisor 

Landlord Insurance


Landlord Risk Assessment

Complete a simple and valuable digital survey to build reliable coverage and potentially identify credits for discounts.

Landlord Insurance


Online Insurance Application

Submit your insurance application questions online with your advisor ready to assist. 

Landlord Insurance


  Video Quote Proposals

We send a video summary of your quotes (with great explanations) for review. 

Landlord Insurance


Bind Cover and Start Value Adds

After online signatures, your coverage is in place! It’s only the start. Get ready for free real-estate risk mitigation services, all year!

We’re the landlord insurance specialist to call or click

Benefit from an independent agency that gets landlords. Before Notable Risk, we advised on over $1.0 billion in real estate acquisitions and financings.  We combine this earlier experience with our insurance know-how to deliver valuable coverage solutions.

Click or call your  (real estate) insurance advisor: 888-897-4815

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Value-Added Risk Management for Real Estate



Notable Risk offers free tools to assist real estate investors in minimizing their risks. Clients can benefit by creating competitive insurance applications, reducing hazards, and decreasing the odds of a loss.

For instance, we ensure there are no gaps in your crucial contracts that may affect your coverage.

Mins to complete REI onboarding

Years of prior Real Estate Experience

Insurance Companies to Access

Typical Minutes to Respond to Clients

You find properties to invest in. Notable Risk invests in you.

Work directly with a principal advisor for

(much) better results.

Empowered by Insurance Innovation and Education

Digital Convenience. Trusted Personal Advisor.

You will benefit from our technology. Getting insurance is almost fun!

Smart Forms and Online Applications

Awesome Technology

Utilize digital tools to save time and reduce unknown exposures

Education, Guidance and Accountability

Hands-On Support

Work with a principal advisor for better results and peace of mind

Landlord Insurance

Rental Home Insurance


Send us any questions you have whether it’s related to rental dwellings or a commercical portfolio.

Speak to a real estate insurance advisor for help! Click here to schedule a priority meeting.

Is a specialist landlord insurance agency really needed?

While it’s not mandatory to work with a landlord insurance specialist when selecting an insurance agency, it can definitely be beneficial.

If you choose an insurance provider and agency that specializes in the area of coverage that is relevant to your needs, you could benefit from their knowledge and experience, which can lead to more reliable coverage options.

Also, you may gain access to more options for competitive insurance quotes for your investment properties as well given that the agency is routinely focused on landlord insurance.

When you build a more comprehensive and cost-effective policy, you can ensure that any gaps in coverage are closed, which will help to better protect your rental property  — and remove surprises.

Ultimately, you may find that an agency focused on REI insurance needs can offer better communication and trust. With the insurance industry changing rapidly, it is an excellent time to consider working with a landlord insurance specialist.

What is ordinance or law coverage

It’s an important additional coverage option to cover some or all of the costs associated with bringing your investment property up to current building codes and regulations after a covered loss.  Without this coverage, additional restoration or rebuilding costs that you incur due to compliance with new building codes is typically excluded in standard policies.

What's equipment breakdown coverage

It’s an additional coverage option that protects against the costs of repairing or replacing certain systems in your rental property such as HVAC and appliances due to mechanical or electrical breakdown. Importantly, this coverage won’t reimburse for wear and tear, neglect and other similar causes of loss.

What is loss of rents coverage

This is an essential component of landlord insurance that provides financial protection if your rental property becomes uninhabitable due to a covered loss, resulting in your tenants having to move out and a loss of rental income occurs. With this important coverage in place, if a covered loss occurs, landlords receive reimbursement for the rental income they would have received during the required repair or rebuilding period (subject to policy limits).

Why is it important to require renters insurance

Requiring renter’s insurance not only safeguards the landlord’s investment, but it also helps out tenants by covering their personal property. Here’s why:

  • Renter’s Insurance Covers Tenant Personal Property: Your landlord insurance policy won’t cover your tenant’s personal property. Without renter’s insurance, they’re not covered if their belongings get stolen or damaged. 
  • Limits Legal Liability: If someone gets hurt on your property and decides to sue, the liability portion of the tenant’s renter’s policy will cover the legal costs and avoid claims agianst your rental home policy. 
  • Coverage During Uninhabitable Conditions: If a disaster strikes and the unit becomes unlivable, most renter’s policies will cover temporary living expenses, reducing potential exposure to landlords who may be subject to tenant claims that these costs should be borne by the landlord. 

Do I need commercial auto insurance for my rental property business?

Commercial auto insurance for landlords is a type of insurance coverage specifically designed to protect landlords who use vehicles for business purposes. This insurance provides financial protection in case of accidents, damages, or injuries that occur while using the vehicle for rental property-related activities.

As a landlord, you may need commercial auto insurance if you use your vehicle to perform tasks related to your rental properties. This can include driving to and from properties for maintenance or repairs, showing properties to potential tenants, collecting rent payments, or conducting other business-related activities.

Commercial auto insurance typically covers liability expenses resulting from accidents involving your vehicle. It helps pay for medical bills and property damage caused by an accident where you are at fault. Additionally, it can provide coverage against theft, vandalism, fire damage, and other non-collision incidents that may occur with your vehicle. It’s important to note that personal auto insurance policies usually do not cover vehicles used primarily for business purposes. Therefore, as a landlord engaging in rental property activities with your vehicle, having commercial auto insurance is crucial to ensure adequate protection and minimize financial risks associated with potential accidents or damages.

When selecting commercial auto insurance as a landlord, consider factors such as the number of vehicles used for business purposes and their value. Additionally, assess the level of coverage needed based on the types of activities performed using these vehicles.

Do I need cyber liability insurance for my rental property business?

Cyber liability insurance is essential coverage for landlords. This type of insurance protects landlords from financial losses and legal liabilities that may arise from cyber attacks or data breaches. As technology continues to advance, property management systems and online platforms have become commonplace in the rental industry.

Landlords collect and store sensitive information such as tenant personal details, payment information, and lease agreements digitally. However, this also exposes them to potential risks associated with cyber threats.

A cyber attack can lead to unauthorized access to confidential data, theft of funds, identity theft, or even disruption of business operations. These incidents can result in significant financial losses due to legal expenses, customer notification costs, credit monitoring services for affected individuals, and reputational damage.

Cyber liability insurance helps mitigate these risks by providing coverage for various aspects related to a cyber attack or data breach incident. It typically includes:

1. Data breach response: Covers expenses related to notifying affected parties about a data breach incident (such as mailing notifications), offering credit monitoring services if necessary.

2. Legal support: Provides coverage for legal fees associated with defending against claims resulting from a data breach incident.

3. Cyber extortion: Protects against ransomware attacks where hackers demand payment in exchange for releasing encrypted files or preventing further damage.

4. Business interruption: Offers compensation for lost income during downtime caused by a cyber attack that disrupts normal business operations.

5. Public relations assistance: Helps manage reputation damage through public relations services after a cybersecurity incident occurs.

It’s important to note that while some general commercial property policies may offer limited protection against certain types of cyber-related risks, they often do not provide comprehensive coverage specifically tailored toward landlord-specific exposures.

Landlords should carefully assess their digital vulnerabilities and consider obtaining appropriate levels of cyber liability insurance based on their specific needs and risk exposure level.

Do I need general liability insurance for my rental property business?

Yes. General liability insurance for landlords provides protection and coverage in case of accidents or injuries that occur on the rental property. This type of insurance is important for landlords as it helps to safeguard their financial interests and assets.

General liability insurance typically covers expenses related to bodily injury, property damage, legal fees, and medical payments resulting from incidents that happen on the rental property. For example, if a tenant or visitor slips and falls on a wet floor in one of the units and gets injured, general liability insurance would cover their medical expenses.

Additionally, this type of insurance also offers protection against claims made by third parties for damages caused by negligence or unsafe conditions on the rental property. For instance, if a guest’s personal belongings are damaged due to faulty wiring in an apartment unit, general liability insurance can help cover the cost of replacing those items.

It’s important to note that general liability insurance does not provide coverage for damage to the landlord’s own property; instead, it focuses primarily on protecting against liabilities arising from accidents or injuries involving others.

Should I consider flood insurance if I am a landlord?

Yes. Flooding can cause significant damage and financial loss, so having the right insurance coverage is crucial.

Flood insurance typically covers damages caused by rising water from natural sources such as rivers, lakes, or heavy rainfall over large areas. It is important to note that standard homeowners and landlord insurance policies usually do not include coverage for flood-related damages. Therefore, landlords need to purchase separate flood insurance policies specifically designed to protect against these types of risks.

When determining whether or not you should invest in flood insurance as a landlord, there are several factors to consider:

1. Location: If your rental property is located in an area prone to flooding or near bodies of water like rivers or lakes, it is highly recommended that you obtain flood insurance. Even if your property is in a low-to-moderate flood zone or has never experienced flooding before, it doesn’t mean it won’t happen in the future. 

2. Risk assessment: Consider conducting a risk assessment of your rental property with the help of experts who specialize in assessing potential flood hazards. This will provide valuable information about the likelihood and severity of flooding events in your area.

3. Tenant protection: Having flood insurance ensures that both you and your tenants are protected financially if a flooding event occurs at the rental property. It can cover repairs needed due to water damage and help compensate for any temporary relocation expenses tenants may incur during restoration work.

4. Federal requirements: In some cases where properties are located within designated high-risk areas known as Special Flood Hazard Areas (SFHAs), landlords may be required by law to have flood insurance if they have federally backed mortgages through lenders regulated by federal agencies like Fannie Mae or Freddie Mac.  If your rental property falls within one of these zones, obtaining flood insurance may be mandatory or highly recommended. Keep in mind that even if your rental property is located outside a high-risk zone, floods can still occur unexpectedly due to various factors like severe weather patterns or infrastructure issues. 

Where do I find flood insurance if I'm a landlord with investment properties?

The Federal Emergency Management Agency (FEMA) offers National Flood Insurance Program (NFIP) policies that provide coverage for both residential and commercial properties. These policies cover physical damages to buildings as well as losses related to personal property within the rental units.

It’s worth noting that NFIP policies have certain limitations when it comes to coverage amounts. The maximum limit for residential buildings is $250,000 for structural damage and $100,000 for personal property damage. For commercial properties, the limits are higher at $500,000 for building damage and $500,000 for contents.

In addition to NFIP policies, there are also private insurers who offer flood insurance coverage with potentially higher limits than those provided by NFIP. It may be beneficial to explore these options if you require more extensive coverage based on your specific needs.

To determine whether your rental property falls within a high-risk flood zone designated by FEMA, you can consult their Flood Map Service Center website or reach out to an experienced insurance agent who specializes in flood insurance. Keep in mind that there might be a 30-day waiting period from the time of purchasing your policy before it becomes effective.

What's a landlord insurance master policy

This is a comprehensive insurance solution tailored for real estate investors who own multiple properties — typically 5 or more. The master policy consolidates the coverage for all of the properties under one single policy, which adds flexiblity for adding and removing properties and reduces adminstrative requirements (particulalry with respect to payments and renewals).

Why do some landlords need employment practices liability insurance

Employment practices liablity insurance (or EPLI) adds important protection if you have employees.  This coverage protects aginast claims for things like wrongful termination, discrimination, harassment or other employment-related issues.

Will my rental home insurance cover a vacancy between tenants

It depends on the underlying policy but in most cases you will need to obtain vacancy coverage if there are no tenants for a lenghty period, typically 30-60 days or greater. Vacancy coverage may also arise where an investment property is listed for sale and remains vacant during the sales process.

Importantly, standard insurance policies typically have exclusions for covered perils, such as fire or theft, when the property remains vacant for such specified periods. Vacant dwelling coverage is designed to bridge the gap and provide coverage (where exclusions would otherwise apply) for covered perils during the period that the propety remains vacant.

How do Tenant Alternative Living Expense Reimbursements Work

When the tenant’s rental unit becomes uninhabitable due to a covered loss such as fire, water or wind damage, additional living expense coverage (ALE), under the tenant’s renters insurance, will cover the renter’s temporary living expenses.  This may include costly expenses like hotel stays, laundry services and dining out.  Not only is this an important safety net for the tenant, but it eliminates potential disputes between the landlord and tenant and minimizes the chances of claims against the owner’s rental home insurance policy.

Should I consider umbrella coverage if I already have landlord insurance?

Yes. For landlords, this type of insurance can offer important extra protection in case of accidents or lawsuits related to their rental properties.

As a landlord, you are responsible for maintaining safe conditions in your rental units and ensuring that tenants are not harmed due to negligence on your part. However, accidents can happen despite your best efforts, and if someone gets injured on your property, they may hold you liable for their medical expenses and other damages. In such situations, umbrella insurance can be beneficial as it offers an extra layer of financial protection. It covers costs that exceed the limits set by your primary liability policies like homeowner’s or landlord insurance. This means that if you face a lawsuit with high settlement demands, umbrella insurance will help cover those costs up to the policy limit.

Additionally, umbrella insurance can also protect you against claims involving libel or slander by tenants or others who interact with your rental property. These types of claims may arise from disputes over lease agreements or disagreements between tenants themselves.

It’s important to note that umbrella insurance will require specific underlying liability limits on primary policies before it kicks in. Therefore, make sure you have adequate coverage through standard landlord insurance or homeowners policies before considering an umbrella policy. 

Call for Landlord Insurance Coverage:  888.897.4815

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Monday to Friday 8:00 am – 6:00 pm ET,

Saturday 8:00 am – 12:00 pm ET


Our real estate specialist approach brings multi-state resources to local areas.


We find real estate solutions in the following licensed states:

AZ, CO, CT, DC, DE, IL, MA, MD, ME, MI, MO, NC, NJ, PA, RI, UT, VA and VT.