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Close-up of hands holding house keys with a home-shaped keychain, symbolizing rental property protection with landlord insurance.

Landlord Insurance

Protect Your Rental Property—Big or Small
 

Whether you rent out one home or manage multiple rental units, The Rivertown Agency in Columbus, GA is here to help you find the best landlord insurance coverage at the lowest rates. We proudly serve property owners throughout Georgia and Alabama, offering smart insurance solutions that save you time, money, and stress.

What is Landlords' Insurance?

Landlord insurance is designed to protect you, the property owner, from the risks that come with renting out your property. It covers things like damage to your rental building, loss of rental income, and legal or liability costs if something goes wrong.

This coverage is different from regular homeowners insurance because it’s built specifically for rental properties—not the home you live in.

Whether you have a single rental home or several investment properties, we’ll help you get the right coverage that fits your rental business.

What Does Landlord Insurance

Typically Cover?

While coverage can vary, here’s what most landlord insurance policies generally include:

  • Dwelling Coverage

Covers the structure itself—including walls, roof, and any fixtures or fittings that belong to you, the landlord. It provides protection against damage from fire, storms, busted pipes, and other common risks.

  • Optional Contents Coverage

Protects any furnishings, appliances, or equipment you provide in the rental (does not cover tenant belongings).

  • Liability Protection

Helps cover legal or medical expenses if a tenant or visitor gets injured on your property and you’re deemed to be held responsible, up to the policy limits.

  • Loss of Rent

Reimburses you for lost rental income if your property becomes unlivable due to a covered event.

Optional Add-ons

We can also help you add coverage for:
​

  • Water back-up coverage from septic/sewage

  • Service line coverage

  • Additional mold coverage

What Isn’t Covered?

Landlord insurance does not cover:
 

  • Flood- rising waters or water coming in from outside the house from weather events

  • Earthquake or earth movement

  • Your tenant’s personal belongings (they need renters insurance)

  • Wear and tear from everyday use

  • Illegal activity on the property (unless liability is proven)

  • Mold from long term leaks

  • Termite damage

Why Choose The Rivertown Agency?

✅ Based in Columbus, Georgia, we know local landlord laws
✅ Serving Georgia and Alabama property owners
✅ Personalized support and coverage recommendations
✅ Affordable rates with top-rated carriers
✅ Friendly, no-pressure service

Modern apartment complex representing properties protected by affordable landlord insurance coverage.

Let’s Protect Your Rental Investment Today

​Contact The Rivertown Agency to explore your landlord insurance options.

(706) 530-0606
3100 Gentian Blvd, ​Suite 18B
Columbus, GA 31907​

Disclaimer: The information provided on this website is for general informational purposes only and is not intended to serve as legal, financial, or insurance advice. Coverage descriptions and policy features mentioned are broad summaries used to help explain general insurance concepts and may not apply to all policies or clients. Coverage availability, limits, exclusions, and conditions vary by insurance carrier and individual policy. Statements made are general in nature and are intended to simplify coverage explanations. Always refer to your individual insurance policy for specific terms, conditions, coverage limits, and exclusions. If you have questions about your coverage, please contact your licensed insurance agent.

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