{"id":185142,"date":"2025-10-10T11:59:08","date_gmt":"2025-10-10T17:59:08","guid":{"rendered":"https:\/\/www.biggerpockets.com\/blog\/?p=185142"},"modified":"2025-10-10T11:59:11","modified_gmt":"2025-10-10T17:59:11","slug":"the-best-ways-to-save-on-landlord-insurance-costs","status":"publish","type":"post","link":"https:\/\/www.biggerpockets.com\/blog\/the-best-ways-to-save-on-landlord-insurance-costs","title":{"rendered":"The Best Ways to Save on Your Landlord Insurance Costs"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><em><span data-preserver-spaces=\"true\">This article is presented by <\/span><a class=\"editor-rtfLink\" href=\"http:\/\/steadily.com\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Steadily<\/span><\/a><span data-preserver-spaces=\"true\">.<\/span><\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">If you own rental property, you already know that <\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/homeowners-insurance-complete-guide\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">landlord insurance<\/span><\/a><span data-preserver-spaces=\"true\"> doesn\u2019t come cheap. In fact, premiums are typically higher than what you\u2019d pay for a homeowner&#8217;s policy on the very same property.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">The reason why is simple: Insurers view rentals as riskier. Tenants may not maintain a home as carefully as an owner would, and claims from storms, accidents, or liability issues can be more frequent.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">For landlords, that extra cost can eat directly into your bottom line. <\/span><span data-preserver-spaces=\"true\">A few hundred dollars more per year might not sound like much, but across multiple units<\/span><span data-preserver-spaces=\"true\">, <\/span><span data-preserver-spaces=\"true\">or over many years, it adds up fast.<\/span><span data-preserver-spaces=\"true\"> And in today\u2019s market, with rising property taxes and maintenance costs, keeping insurance expenses in check is a critical part of protecting your <\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/rental-property-cash-flow-analysis\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">cash flow<\/span><\/a><span data-preserver-spaces=\"true\">.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">The good news? You have more control than you might think. While you can\u2019t avoid carrying <\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.steadily.com\/faq\/how-much-does-landlord-insurance-cost\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">landlord insurance<\/span><\/a><span data-preserver-spaces=\"true\">, you <\/span><em><span data-preserver-spaces=\"true\">can<\/span><\/em><span data-preserver-spaces=\"true\"> make strategic choices that help bring premiums down without sacrificing the protection your investment deserves. Think of it as playing defense: You\u2019re not cutting corners\u2014you\u2019re finding <\/span><span data-preserver-spaces=\"true\">smart<\/span><span data-preserver-spaces=\"true\"> ways to lower costs while keeping your coverage strong.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">We\u2019ll cover practical strategies landlords use every day to reduce insurance premiums. From property upgrades to deductible choices and bundling opportunities, these moves can add up to meaningful savings, without exposing you to unnecessary risk.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Smart<\/span><span data-preserver-spaces=\"true\"> Ways to Save on Your Insurance Policy<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">One of the most effective ways to lower your landlord insurance premiums is by upgrading the property itself.&nbsp;<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Insurance companies reward landlords who invest in making their rentals safer and more resilient, because these improvements reduce the likelihood of future claims. In other words, the better shape your property is in, the less risk the insurer has to carry, and the more savings you could see.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Common<\/span><span data-preserver-spaces=\"true\"> upgrades that pay off<\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><span data-preserver-spaces=\"true\">Roof replacements: <\/span><\/strong><span data-preserver-spaces=\"true\">An aging or <\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.steadily.com\/blog\/hail-damage-roof-insurance-landlords\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">damaged roof<\/span><\/a><span data-preserver-spaces=\"true\"> is one of the biggest red flags for insurers. A new roof not only protects your investment from leaks and <\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.steadily.com\/blog\/lightning-electrical-damage-landlord-insurance\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">storm damage<\/span><\/a><span data-preserver-spaces=\"true\">, but it can also qualify you for a lower premium.<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Stormproof windows and doors:<\/span><\/strong><span data-preserver-spaces=\"true\"> In areas prone to hurricanes, hail, or high winds, installing impact-resistant windows or reinforced doors can reduce risk and may lead to policy discounts.<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Plumbing and electrical updates: <\/span><\/strong><span data-preserver-spaces=\"true\">Outdated wiring or old plumbing increases the risk of fire and water damage. Modernizing these systems not only helps prevent costly repairs but also positions you for lower insurance costs.<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Fire safety systems<\/span><span data-preserver-spaces=\"true\">: <\/span><\/strong><span data-preserver-spaces=\"true\">Smoke<\/span><span data-preserver-spaces=\"true\"> detectors, sprinkler systems, and fire-resistant materials can all earn you discounts while giving everyone more peace of mind.<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Double benefit: Protection + savings<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">The beauty of these upgrades is that they work on two levels. They make your property safer for tenants, reducing emergencies and liability, while also potentially qualifying you for premium reductions (not to mention <\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.steadily.com\/blog\/what-is-bonus-depreciation-landlords-guide\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">bonus depreciation<\/span><\/a><span data-preserver-spaces=\"true\">). <\/span><span data-preserver-spaces=\"true\">If your property needs these improvements anyway, you <\/span><span data-preserver-spaces=\"true\">might be able to<\/span><span data-preserver-spaces=\"true\"> offset part of the cost through insurance savings.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Confirm before you <\/span><span data-preserver-spaces=\"true\">commit<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Before making a <\/span><span data-preserver-spaces=\"true\">major<\/span><span data-preserver-spaces=\"true\"> investment, check with your insurer to see what discounts are available. Every insurance company has its own criteria, and you\u2019ll want to know upfront which improvements will actually lower your costs. This way, your capital improvements aren\u2019t just protecting your property\u2014they\u2019re working to protect your bottom line too.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Rethink Your Deductible<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Another lever landlords can pull to lower insurance costs is adjusting the deductible. Your deductible is the amount you agree to pay out of pocket when you file a claim, and it directly impacts your premium. In general, the higher the deductible, the lower your monthly or annual premium will be.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">How it works<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Think of it as sharing risk with your insurer. By committing to pay more upfront if a claim occurs, you\u2019re signaling that you\u2019re less likely to file small claims, and insurers reward that with lower premiums. For example, moving from a $1,000 deductible to $5,000 could trim a noticeable percentage off your annual cost.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Questions to ask yourself<\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><span data-preserver-spaces=\"true\">What\u2019s in your reserve fund?<\/span><\/strong><span data-preserver-spaces=\"true\"> If you keep healthy reserves for repairs and emergencies, you may be comfortable with a higher deductible.<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">How often do you expect to file claims?<\/span><\/strong><span data-preserver-spaces=\"true\"> If you maintain your property proactively and rarely file claims, a higher deductible makes more sense.<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">What\u2019s the break-even point?<\/span><\/strong><span data-preserver-spaces=\"true\"> Run the math. If a higher deductible saves $600 a year, but you\u2019d only face that extra cost once every 10 years, it may be worth the trade-off.<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">A word of caution<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">While increasing your deductible is a great way to save, it\u2019s not for everyone. You don\u2019t want to leave yourself exposed if a big storm hits or a tenant-caused accident requires immediate repairs. Always balance the premium savings with your ability <\/span><span data-preserver-spaces=\"true\">to comfortably cover the deductible if the worst happens<\/span><span data-preserver-spaces=\"true\">.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Landlord policies often offer more flexibility in deductible levels compared to standard homeowner&#8217;s insurance. Take advantage of that flexibility, but make sure your choice aligns with both your cash reserves and risk tolerance.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Bundle and Layer Coverage Wisely<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Bundling isn\u2019t just for cable bills and phone plans\u2014it can also help landlords save on insurance premiums. Many insurers offer discounts when you buy multiple types of coverage from them, such as auto, umbrella, or multiple-property policies. For landlords with growing portfolios, bundling can make a noticeable difference in annual costs.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">How bundling works<\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><span data-preserver-spaces=\"true\">Multiple properties: <\/span><\/strong><span data-preserver-spaces=\"true\">If you own several rentals, putting them under one insurer often leads to volume discounts.<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Auto + landlord policies:<\/span><\/strong><span data-preserver-spaces=\"true\"> Insurers may reduce your rate if you carry both your personal auto and landlord insurance with them.<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Umbrella coverage: <\/span><\/strong><span data-preserver-spaces=\"true\">Adding an umbrella <\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.steadily.com\/blog\/the-ultimate-guide-to-landlord-liability-insurance\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">liability policy<\/span><\/a><span data-preserver-spaces=\"true\"> not only increases your protection but may also earn you a bundling discount.<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Don\u2019t cut the wrong <\/span><span data-preserver-spaces=\"true\">corners<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">While bundling can save you money, it\u2019s important not to sacrifice essential coverage <\/span><span data-preserver-spaces=\"true\">just<\/span><span data-preserver-spaces=\"true\"> to shave a few dollars off your premium.<\/span><span data-preserver-spaces=\"true\"> A bare-bones policy that leaves you underinsured could cost far more in the long run. Always confirm that the bundled package still provides the protections you need, such as:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a class=\"editor-rtfLink\" href=\"https:\/\/www.steadily.com\/blog\/loss-of-rent-insurance-landlords\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Loss of rent<\/span><\/a><span data-preserver-spaces=\"true\"> coverage in case a unit becomes uninhabitable<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Liability protection for accidents or injuries<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Property coverage for damage from storms, <\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.steadily.com\/blog\/fire-damage-restoration-landlord-insurance\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">fire<\/span><\/a><span data-preserver-spaces=\"true\">, or <\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.steadily.com\/blog\/what-happens-if-your-rental-property-gets-vandalized\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">vandalism<\/span><\/a><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">A long-term layering strategy<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Bundling is just one part of a broader insurance strategy. Think of your coverage in layers:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><span data-preserver-spaces=\"true\">Base layer: <\/span><\/strong><span data-preserver-spaces=\"true\">Your landlord insurance policy<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Second layer:<\/span><\/strong><span data-preserver-spaces=\"true\"> Umbrella liability or specialized endorsements<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Third layer: <\/span><\/strong><span data-preserver-spaces=\"true\">Tenant-required renter\u2019s insurance or tenant damage protection plans<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">When structured thoughtfully, this layered approach helps you reduce premiums while making sure no <\/span><span data-preserver-spaces=\"true\">major<\/span><span data-preserver-spaces=\"true\"> risks slip through the cracks.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">In short, bundling can be a smart cost-saver, but only if it aligns with the real-world risks you face as a landlord.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Don\u2019t Forget Tax Advantages<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">When evaluating the <\/span><span data-preserver-spaces=\"true\">true<\/span><span data-preserver-spaces=\"true\"> cost of your landlord insurance, it\u2019s important to remember that premiums are <\/span><strong><span data-preserver-spaces=\"true\">tax-deductible<\/span><\/strong><span data-preserver-spaces=\"true\">. Since rental property is considered a business activity, insurance <\/span><span data-preserver-spaces=\"true\">is treated<\/span><span data-preserver-spaces=\"true\"> as an operating expense. That means every dollar you pay in premiums reduces your taxable rental income, lowering your overall tax bill.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Why this matters<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">At first glance, a $2,500 annual premium might feel steep. But if you\u2019re in the 24% tax bracket, that deduction effectively lowers your net cost to around $1,900. Stretch that across multiple properties, and the savings can become significant.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Examples of deductible insurance<\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span data-preserver-spaces=\"true\">Standard landlord insurance policies<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Liability coverage<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Flood or earthquake add-ons<\/span><\/li>\n\n\n\n<li><span data-preserver-spaces=\"true\">Umbrella policies that extend your protection<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Keep good records<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">To maximize these benefits, always maintain clear documentation. Save invoices, receipts, and policy statements for each property. Not only does this simplify tax time, but it also strengthens your case in the event of an IRS audit.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">You can\u2019t eliminate premiums <\/span><span data-preserver-spaces=\"true\">entirely<\/span><span data-preserver-spaces=\"true\">, but when you factor in their deductibility, the effective cost of landlord insurance is lower than it looks. That perspective helps you see coverage not just as an expense, but as a strategic business investment that safeguards your income and assets.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Why the Right Insurance Partner Makes All the Difference<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Cutting costs is <\/span><span data-preserver-spaces=\"true\">important<\/span><span data-preserver-spaces=\"true\">, but as a landlord, the real goal isn\u2019t just saving money; it\u2019s protecting your income stream and assets. You want <\/span><span data-preserver-spaces=\"true\">premiums that are fair<\/span><span data-preserver-spaces=\"true\">, yes, but you also want coverage that will respond when disaster strikes. That\u2019s when the insurer you choose makes all the difference.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Too often, landlords chase the lowest possible premium, only to find out later that their policy excluded the exact type of loss they experienced. Or worse, they end up in claims limbo, waiting months for reimbursement while repairs and tenant issues pile up. That\u2019s a recipe for lost cash flow, frustrated tenants, and unnecessary stress.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Why Steadily stands out<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Steadily was <\/span><span data-preserver-spaces=\"true\">built specifically<\/span><span data-preserver-spaces=\"true\"> for landlords and real estate investors. Unlike traditional insurers who treat rentals like an afterthought, Steadily\u2019s entire platform <\/span><span data-preserver-spaces=\"true\">is designed<\/span><span data-preserver-spaces=\"true\"> around the unique needs of property owners. That means:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><span data-preserver-spaces=\"true\">Tailored coverage:<\/span><\/strong><span data-preserver-spaces=\"true\"> Policies structured for all rental types, from single-family homes to <\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/finding-multifamily-properties\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">multifamily<\/span><\/a><span data-preserver-spaces=\"true\"> buildings to <\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.biggerpockets.com\/blog\/short-term-rental-investing\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">short-term rentals<\/span><\/a><span data-preserver-spaces=\"true\"> like <\/span><a class=\"editor-rtfLink\" href=\"https:\/\/www.steadily.com\/blog\/airbnb-insurance-guide\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Airbnb<\/span><\/a><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Fast, digital quotes:<\/span><\/strong><span data-preserver-spaces=\"true\"> Get coverage options in minutes, not days of back-and-forth paperwork.<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Risk-reduction tools:<\/span><\/strong><span data-preserver-spaces=\"true\"> From recommending upgrades to offering insights on deductible levels, Steadily helps you actively lower both your risk and your premiums.<\/span><\/li>\n\n\n\n<li><strong><span data-preserver-spaces=\"true\">Nationwide availability:<\/span><\/strong><span data-preserver-spaces=\"true\"> Whether your properties are local or spread across states, you can streamline your coverage under one provider.<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span data-preserver-spaces=\"true\">Balancing affordability and protection<\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">Steadily understands that landlords are running a business. Their goal isn\u2019t just to write policies\u2014it\u2019s to help you stay profitable by minimizing risk while keeping premiums competitive. And because your insurance premiums are tax-deductible, the value of a policy that actually works when you need it far outweighs a few dollars saved on a weaker policy.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span data-preserver-spaces=\"true\">If you\u2019ve been thinking about revisiting your coverage, now\u2019s the time. The right insurer doesn\u2019t just reduce your premiums; it reduces your stress, strengthens your business, and keeps your rental income flowing, no matter what challenges come your way.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><span data-preserver-spaces=\"true\">Protect your investment with Steadily today. Get a <\/span><a class=\"editor-rtfLink\" href=\"http:\/\/steadily.com\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">fast, customized quote at Steadily.com<\/span><\/a><span data-preserver-spaces=\"true\"> and see how much you could save while upgrading your coverage.<\/span><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>This article is presented by Steadily. If you own rental property, you already know that landlord insurance doesn\u2019t come cheap. In fact, premiums are typically higher than what you\u2019d pay [&hellip;]<\/p>\n","protected":false},"author":613776,"featured_media":185139,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7401],"tags":[],"class_list":["post-185142","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance"],"acf":[],"comment_count":0,"_links":{"self":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/posts\/185142","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/users\/613776"}],"replies":[{"embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/comments?post=185142"}],"version-history":[{"count":0,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/posts\/185142\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/media\/185139"}],"wp:attachment":[{"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/media?parent=185142"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/categories?post=185142"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.biggerpockets.com\/blog\/wp-json\/wp\/v2\/tags?post=185142"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}