Landlord Insurance for Long Island Rental Properties
Dwelling Insurance for Properties Rented to Others in Nassau & Suffolk County
Owning rental property on Long Island comes with unique risks — from property damage and lost rental income to liability claims involving tenants and visitors. Standard homeowners insurance is not designed for properties rented to others.
We provide Landlord Insurance (Dwelling – Rented to Others) tailored for Suffolk County and Nassau County property owners, helping protect your building, your income, and your long-term investment.
Select Your Insurance Quote Option
We make it easy to get fast, personalized quotes for all your most essential coverages. Choose the type of protection you need below to get started:
Flood Insurance
Homeowners Insurance
Landlord Insurance
Life Insurance
Landlord Insurance in Nassau & Suffolk County, NY
LIrisk provides landlord insurance solutions for property owners across Nassau County and
Suffolk County. Landlord insurance is designed to protect rental properties, income-producing
homes, and small residential portfolios from property damage, liability claims, and loss of
rental income throughout Long Island and New York.
Coverage Designed for Long Island Rental Properties
Rental properties on Long Island face unique risks, including tenant-related losses, higher
liability exposure, rising construction costs, and severe weather events. We help landlords
secure coverage that reflects local property values, replacement costs, and New York insurance
requirements.
What Landlord Insurance Covers
We help protect your rental property from unexpected losses while keeping your investment income secure. Core coverages include:
Dwelling Coverage
Pays to repair or rebuild the structure after covered events like fire, wind, vandalism, or theft.
Loss of Rental Income
Reimburses lost rent if your property becomes uninhabitable due to a covered claim.
Landlord Liability
Protects you if a tenant or guest is injured on the property and holds you legally responsible.
Other Structures
Covers garages, fences, sheds, or other structures not attached to the main dwelling.
Optional Endorsements
Customize your policy with water backup, ordinance or law, equipment breakdown, flood insurance, and umbrella liability.