Landlord house insurance typically includes several types of coverages to protect landlords from various risks associated with renting out their property. The specific coverages may vary depending on the insurance provider and policy, but common types of coverages include:

1. Building Insurance: This covers the structure of the rental property, including the walls, roof, floors, and other permanent fixtures, against risks such as fire, storm damage, vandalism, and other perils. It may also cover additional structures on the property, such as garages or sheds.
2. Contents Insurance: This covers the landlord’s belongings inside the rental property, such as furniture, appliances, and other personal property provided for tenants’ use. Contents insurance typically protects against risks like theft, damage, or loss due to covered perils.
3. Liability Insurance: This provides coverage for legal expenses and damages if a tenant or visitor is injured on the rental property and holds the landlord liable. Liability insurance can also cover legal defense costs if the landlord is sued for property damage or injuries caused by the rental property.
4. Loss of Rental Income: Also known as rental guarantee insurance, this coverage protects landlords against loss of rental income if the property becomes uninhabitable due to covered perils, such as fire or flood damage. It reimburses the landlord for lost rental income during the repair or rebuilding process.
5. Legal Expenses Insurance: This covers legal costs associated with disputes between landlords and tenants, such as eviction proceedings, rent arrears recovery, or property damage claims.
6. Accidental Damage: This optional coverage provides protection against accidental damage caused by tenants, such as spills on carpets or broken windows. It may also cover accidental damage to the landlord’s property caused by events like DIY projects gone wrong.
7. Malicious Damage: This covers intentional damage caused by tenants, such as vandalism or deliberate destruction of property.

It’s important for landlords to review their insurance policy carefully and understand the specific coverages, exclusions, and limitations provided. Additionally, landlords may choose to add optional coverages or endorsements to tailor their insurance policy to their individual needs and preferences.