Landlord Insurance in Massachusetts

When you're looking for Landlord Insurance in Massachusetts or New Hampshire, it's important to have options so you can ensure you get the right plan to meet your needs at the best possible rate.

Find the coverage you need

As a landlord in Massachusetts, protecting your rental properties from potential risks is a critical part of maintaining your investment. At Fitts Insurance, we help property owners find coverage options tailored to their specific needs—whether you own a single-family home in Worcester or a multi-unit building in Boston.

With experience navigating the unique considerations landlords face across Massachusetts, we’re here to help you explore policies that offer protection from property damage, liability claims, and tenant-related exposures.

Landlord Insurance Massachusetts

What Is Landlord Insurance?

Landlord insurance is a type of policy designed for property owners who rent out residential properties. Unlike homeowners insurance, which typically covers owner-occupied homes, landlord insurance is intended to support the risks involved with leasing property to tenants.

Depending on the options selected, landlord insurance may offer coverage for damage to the physical structure of the building, loss of rental income following a covered loss, and liability claims that arise from tenant or guest injuries on the premises. Every property is different, and the right coverage will depend on your property type, tenant arrangement, and risk tolerance.

Why Do Massachusetts Landlords Need Specialized Insurance?

Owning rental property in Massachusetts comes with specific challenges. From harsh winter weather to tenant laws that vary by municipality, there are many factors that can affect a landlord’s exposure to risk. Standard homeowners policies often do not provide protection when a property is rented to others, which is why a specialized landlord policy is often recommended.

Massachusetts also has strong tenant rights laws and legal requirements that may affect how landlords handle maintenance, repairs, and liability concerns. Having a policy that accounts for the legal and environmental realities of Massachusetts can help mitigate financial losses from lawsuits, property damage, or loss of use.

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  • What Types of Properties Can Be Covered?

    Landlord insurance policies can typically be structured to cover a range of residential property types in Massachusetts, such as:

    • Single-family homes
    • Multi-family homes (duplexes, triplexes, etc.)
    • Apartment buildings
    • Condos (when rented out)
    • Seasonal or vacation rentals

     

    The number of units, type of occupancy, and other risk factors may influence the type and cost of coverage available. Whether you’re a first-time landlord or you manage multiple investment properties, Fitts Insurance can help you explore available options.

  • What Is Landlord Liability Insurance?

    Landlord liability insurance is a key component of most landlord insurance policies. It generally helps protect property owners from claims that arise if someone is injured on the rental property or if their belongings are damaged due to a condition on the premises.

    For example, if a tenant’s guest slips on an icy walkway, or if a ceiling collapses due to a leaking pipe, landlord liability insurance may help cover legal expenses or medical costs resulting from the incident—subject to the policy’s terms and conditions.

    Because liability risks can vary by property and location, we work with Massachusetts landlords to assess potential exposures and identify options that align with their level of risk.

  • What Coverage Options Might Be Included?

    While each policy is different, Massachusetts landlords often look for insurance that may include:

    • Dwelling Coverage: Helps protect the physical structure of the rental property from covered perils such as fire, wind, or vandalism.
    • Other Structures Coverage: May extend to garages, sheds, or fences located on the rental property.
    • Loss of Rental Income: If a covered event makes your rental unit uninhabitable, this coverage may help replace lost rental income during the repair period.
    • Landlord Liability: Provides protection if a tenant or guest suffers injury or property damage and holds the landlord responsible.
    • Legal Expense Coverage: May help cover legal fees related to covered liability claims.
    • Optional Add-Ons: Depending on the carrier, landlords may be able to add coverage for equipment breakdown, sewer backup, or even tenant default.

     

    Every rental situation is different. At Fitts Insurance, we’ll take the time to understand your needs and walk you through available coverage options.

  • How Much Does Landlord Insurance Cost in Massachusetts?

    The cost of landlord insurance in Massachusetts can vary depending on several factors, including:

    • Location of the property (e.g., coastal risks, urban vs. rural areas)
    • Age and condition of the structure
    • Number of rental units
    • Type of construction
    • Safety features (e.g., sprinkler systems, smoke detectors)
    • Claims history
    • Desired coverage limits and deductibles

     

    Some landlords may qualify for discounts by bundling policies, installing safety systems, or maintaining a claims-free history. At Fitts Insurance, we shop among multiple carriers to help you find competitive pricing for your needs.

  • What Sets Fitts Insurance Apart?

    Fitts Insurance is a Massachusetts-based agency with decades of experience serving landlords, property managers, and real estate investors. We understand the local landscape and are familiar with the challenges landlords face—from snow removal liabilities to evolving rental ordinances.

    When you work with us, you’ll get:

    • Access to top-rated insurance carriers
    • One-on-one service from a local advisor
    • Clear explanations of your coverage options
    • Support through the claims process

     

    Whether you’re insuring a single rental or an entire portfolio, we’ll help you build a policy that makes sense for your property, budget, and long-term plans.

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How Can You Get Started with Landlord Insurance?

Getting landlord insurance in Massachusetts starts with a conversation. Our team at Fitts Insurance is here to answer your questions, compare quotes, and guide you through the application process. We can also review your current policy to identify gaps or opportunities for savings.

Secure peace of mind for your rental property. Contact us for a personalized quote and learn how we can help you navigate landlord insurance options in Massachusetts.

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