Alabama Landlord Insurance

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  • Alabama Landlord Insurance

Home to two of the nation’s most accredited colleges, and two of the best at college football, becoming a landlord near Tuscaloosa, Auburn or any of the other incredible towns in The Heart of Dixie, Alabama landlord insurance will quickly become your best friend — and one of your greatest investments.

Landlord insurance in Alabama helps cover your rental property if it were damaged or destroyed by a covered peril, like a tornado or home fire. It also helps to pay for any medical expenses and legal fees if someone is injured on the property and you’re found liable.

From add-ons that pay you money when your rental property is under construction to pay for loss of income if your home needs repair due to a covered peril, Alabama landlord insurance is the perfect way to protect your investment properties.

What Does Landlord Insurance in Alabama Cover?


This covers the actual structure of your home and the components that make it, such as the roof, siding, windows, countertops and flooring. Since you’re not the one living in the home and taking care of it full time, the landlord’s dwelling coverage should be equal to or a little more than your home’s actual value.

Other Structures

Depending on the type of property you own, other structures coverage may or may not apply. If you rent out a house, this coverage extends to things like fences, sheds, carports and detached garages, and is typically up to 10 percent of the dwelling amount. However, if you’re renting one or a few units in a condo complex, there’s a good chance you won’t own any of these types of coverage and, therefore, don’t truly need it.

Personal Belongings

If you store on the rental property things like a lawnmower, tools for working on the home or other items that directly help you maintain your rental unit, these items would be covered under the personal belongings portion of your landlord policy. Unfortunately, your tenants’ belongings are not covered.

Landlord Liability

It’s a good idea to maintain adequate landlord liability protection in the event one of your tenants or their guest is injured on the property and you’re held liable. This could happen for a number of reasons, including a broken stair that wasn’t repaired or a faulty fix. This coverage helps to pay for medical bills and legal expenses up to your policy’s limits.

What Are Some Extra Alabama Landlord Coverages to Consider?

Landlord Contents: For those landlords who furnish part or all of their rental properties, there’s an optional landlord contents coverage you’ll want to opt in to. This covers the belongings you keep in the unit, like furniture, electronics and appliances.

Construction: If the building codes change or you’re working on renovations, you’ll want to make sure you have coverage for your rental property that’s under construction. This helps mend the money until the home is ready for occupation again.

Loss of Income: If your rental property is hit by a covered peril and your tenants are forced to temporarily move out of the home, you’re not getting a rent payment each month. Luckily, this can help pay you the money you’re losing out on each month until the home is repaired and tenants are able to move back in.

Burglary & Vandalism: If your rental property is broken into and damaged or vandalized, purchasing additional coverage for burglary and vandalism will quickly become your best friend. This can help repair parts of your home that have been damaged or replace your property that was stolen.

What’s the Average Cost of Alabama Landlord Insurance?

The average cost of home insurance in Alabama is above the national average, but landlord insurance isn’t too much higher. You can expect to pay about 20 percent more for landlord insurance in Alabama than you would for homeowners insurance.

As always, the average cost depends on the price of the property you rent out, where it’s located (rental properties near the ocean in Gulf Shores will be more expensive to insure) and whether it’s a single-family home, multi-family home, single unit in a larger building or another type of property.

  • Average Cost of Landlord Insurance in Alabama: $2,400 per year

Compare and Buy the Best Landlord Insurance in Alabama

Getting landlord insurance in Alabama has never been easier. Our online quoting tool allows you to plug in your rental property’s address and compare multiple quotes from multiple carriers to get the coverage you need at the price you deserve.

We also partner with some of the state’s top-rated insurance carriers to bring you multiple policies to pick from and prices that are unbeatable by the competition.

Protect Your Investment With Landlord Insurance

You've worked hard to buy your rental property. Protect it with a custom policy at an affordable price.

The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.