Investors Insurance
What Landlord Insurance Covers
Your rental property is an investment that should be protected at every level. We work with leading insurance providers to offer policies tailored specifically for landlords, rental units, and multi-property portfolios in Calgary.
A strong landlord insurance policy protects more than the building. It covers property damage caused by fire, storms, vandalism, and certain types of tenant damage. It also includes liability protection if someone is injured on the property or if a tenant’s belongings are damaged due to a maintenance issue you are responsible for. Perhaps most importantly for investors, it can include loss of rental income coverage, which replaces rent if the property becomes uninhabitable after a covered claim.
Whether you own a single condo, a single-family rental, or several doors across Calgary, the right policy keeps your cash flow and your asset safe. Learn more about protecting your portfolio through our Calgary property management services or our guide to the Alberta eviction process. Let us help you assess your risk exposure and ensure your coverage aligns with your investment goals.
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Policy Types for Landlords
Most landlord policies fall into a few categories. Dwelling coverage protects the physical structure of the rental. Comprehensive landlord insurance bundles property, liability, and loss of rent into one policy. Rent guarantee insurance can cover unpaid rent when a tenant defaults. Umbrella liability adds extra protection above your base policy limits. We help you match the right mix to your portfolio.
How the Claims Process Works
When damage happens, speed matters. First, document the incident with photos and notes. Next, notify your insurer and provide any required forms. An adjuster will assess the damage and estimate repair costs. Once approved, repairs can begin. If the unit is unlivable, loss of rental income coverage may reimburse missed rent during the repair period. We can coordinate documentation and repairs to keep the process moving.
What Affects Your Premium
Premiums depend on property value, location, building age, number of units, and your claims history. Well-maintained properties with updated electrical, plumbing, and roofs usually cost less to insure. Properties in higher-crime or flood-prone areas may carry higher rates. Choosing a higher deductible lowers your premium but increases out-of-pocket costs when you claim. We review these trade-offs with you.
Investor Insurance FAQ
Do I need landlord insurance if I already have home insurance?
Yes. Standard home insurance is designed for owner-occupied properties and may not cover rental activities, tenant damage, or loss of rental income. Landlord insurance fills those gaps.
What does loss of rental income cover?
It replaces rent you cannot collect because the property is uninhabitable after a covered event like a fire or flood. It does not cover a tenant simply refusing to pay.
Are tenant-caused damages covered?
Most policies cover accidental tenant damage above the security deposit, but intentional damage or normal wear and tear may be excluded. Read your policy carefully.
How much does landlord insurance cost in Calgary?
Most Calgary landlords pay between $800 and $1,500 per year for a single rental property, depending on value, location, and coverage limits. Multi-unit buildings and older homes typically cost more.
How do I get a quote?
Click the Request a Quote button or contact our team. We will review your property, compare coverage options, and recommend a policy that fits your investment strategy.
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