Owning rental property is a smart investment, but it also brings real risks. Landlord insurance helps protect you from financial losses caused by tenant injuries, property damage, and income disruption. At Keisler Insurance Group, we help property owners in Columbia and across South Carolina secure reliable, affordable landlord insurance that fits their unique needs.
As an independent agency, we compare policies from over 20 top-rated carriers to find the right landlord insurance coverage for your property, tenants, and budget.
Call (803) 521-0807 or contact us online to request a free quote.
What Does Landlord Insurance Cover?
Landlord insurance policies are designed to protect your rental property and financial well-being. A typical landlord insurance policy includes:
- Dwelling Coverage: Pays for repairs or rebuilding after damage from fire, storms, vandalism, and other covered events.
- Liability Protection: Covers legal fees and medical costs if someone is injured on your property and you are held responsible.
- Loss of Rental Income: Reimburses lost rent if your rental becomes uninhabitable due to a covered loss.
- Optional Coverage: Add protection for detached structures, appliances, landlord furnishings, or water backup.
Whether you own a single-family rental or a multi-unit property, we’ll help tailor a landlord insurance policy to match your property and risk exposure.
Who Needs Landlord Insurance?
You should consider landlord insurance if you rent out residential property you do not live in. Our clients include:
- Property owners with short-term or long-term rentals
- Real estate investors
- Accidental landlords
- Property manager
Homeowners insurance does not cover rental activities. A dedicated landlord insurance policy is the only way to ensure full protection.
What Is an Accidental Landlord?
An accidental landlord is someone who rents out a property they didn’t originally intend to use as a rental. This could include homeowners who inherit property, move for work but keep their home, or temporarily rent out a house they couldn’t sell.
If you fall into this category, it’s important to know that a standard homeowners policy will likely not cover tenant-related claims. You need a landlord insurance policy to protect your property, safeguard your rental income, and shield yourself from liability.
Why Work With Keisler Insurance Group?
As a local agency based in Columbia, SC, we understand the challenges and responsibilities of being a landlord. When you partner with us, you get:
- Personalized service from a trusted local team
- Coverage options from top insurers
- Experience with landlord insurance across South Carolina, North Carolina, and Georgia
- Transparent guidance with no pressure or hidden fees
- Superior customer service for policy help or claims service
We listen, explain your options, and help you build an affordable landlord insurance policy that meets your goals.
Request Your Landlord Insurance Quote Today
Protect your property, your tenants, and your income with landlord insurance from Keisler Insurance Group. Whether you’re renting out a single-family home or managing multiple units, we’ll help you find the right coverage at the right price.
Ask about bundling landlord insurance with umbrella or flood coverage for added savings and protection.
Call (803) 521-0807 or contact us online to speak with a local agent and get a personalized quote for affordable landlord insurance today.