Landlord Insurance by State 2026

A standard landlord dwelling policy (DP-3) covers fire, wind, hail, lightning, vandalism, and liability, plus loss-of-rent coverage when a covered peril makes the property uninhabitable. What it never covers: flood (requires a separate NFIP or private flood policy), earthquake (requires a separate endorsement or policy), and earth movement. In high-hazard states, additional endorsements or specialty carriers may be required. The table below flags the primary perils and required add-ons for each state.

State	Primary Hazards	FAIR Plan / Specialty Program
Alabama	HurricaneTornadoFlood	Alabama Insurance Underwriting Association	Details →
Alaska	EarthquakeWildfire	Standard market	Details →
Arizona	WildfireFlood	Standard market	Details →
Arkansas	TornadoFloodIce Storm	Standard market	Details →
California	WildfireEarthquakeFlood	California FAIR Plan Association	Details →
Colorado	WildfireHailTornadoFlood	Standard market	Details →
Connecticut	HurricaneFloodNor'easter	Connecticut FAIR Plan	Details →
Delaware	HurricaneFlood	Standard market	Details →
District of Columbia	FloodWind	DC FAIR Plan	Details →
Florida	HurricaneFloodWindstorm	Citizens Property Insurance Corporation	Details →
Georgia	HurricaneTornadoFlood	Georgia Underwriting Association	Details →
Hawaii	HurricaneVolcanicFloodTsunami	Standard market	Details →
Idaho	WildfireEarthquakeFlood	Standard market	Details →
Illinois	TornadoFloodIce Storm	Illinois FAIR Plan	Details →
Indiana	TornadoFloodIce Storm	Standard market	Details →
Iowa	TornadoHailFlood	Standard market	Details →
Kansas	TornadoHailIce Storm	Standard market	Details →
Kentucky	TornadoFloodIce Storm	Standard market	Details →
Louisiana	HurricaneFloodTornado	Louisiana Citizens Property Insurance Corporation	Details →
Maine	Nor'easterIce StormFlood	Standard market	Details →
Maryland	HurricaneFloodNor'easter	Maryland FAIR Plan	Details →
Massachusetts	HurricaneNor'easterFlood	Massachusetts Property Insurance Underwriting Association	Details →
Michigan	Ice StormTornadoFlood	Standard market	Details →
Minnesota	TornadoHailIce Storm	Standard market	Details →
Mississippi	HurricaneTornadoFlood	Mississippi Windstorm Underwriting Association	Details →
Missouri	TornadoFloodIce Storm	Standard market	Details →
Montana	WildfireHailFlood	Standard market	Details →
Nebraska	TornadoHailFlood	Standard market	Details →
Nevada	WildfireEarthquakeFlood	Standard market	Details →
New Hampshire	Nor'easterIce StormFlood	Standard market	Details →
New Jersey	HurricaneFloodNor'easter	NJ Insurance Underwriting Association	Details →
New Mexico	WildfireFlood	Standard market	Details →
New York	HurricaneNor'easterFlood	New York Property Insurance Underwriting Association	Details →
North Carolina	HurricaneTornadoFlood	NC Joint Underwriting Association	Details →
North Dakota	Ice StormTornadoFlood	Standard market	Details →
Ohio	TornadoFloodIce Storm	Standard market	Details →
Oklahoma	TornadoHailIce Storm	Standard market	Details →
Oregon	EarthquakeWildfireFloodLandslide	Standard market	Details →
Pennsylvania	Nor'easterFloodIce Storm	Pennsylvania FAIR Plan	Details →
Rhode Island	HurricaneNor'easterFlood	Rhode Island FAIR Plan	Details →
South Carolina	HurricaneTornadoFlood	South Carolina Wind and Hail Underwriting Association	Details →
South Dakota	TornadoHailBlizzard	Standard market	Details →
Tennessee	TornadoFloodIce Storm	Standard market	Details →
Texas	HurricaneTornadoHailFloodWildfire	Texas FAIR Plan Association	Details →
Utah	EarthquakeWildfireFlood	Standard market	Details →
Vermont	FloodIce StormNor'easter	Standard market	Details →
Virginia	HurricaneTornadoFloodNor'easter	Standard market	Details →
Washington	EarthquakeWildfireLandslideFlood	Standard market	Details →
West Virginia	FloodIce StormTornado	Standard market	Details →
Wisconsin	TornadoHailIce StormFlood	Standard market	Details →
Wyoming	WildfireHailIce Storm	Standard market	Details →

What a DP-3 Policy Covers — And What It Doesn't

A DP-3 (Dwelling Fire Special Form) is the standard landlord policy. Unlike a homeowner's HO-3, it is designed for non-owner-occupied residential properties. A typical DP-3 includes:

• Dwelling coverage — repairs or rebuilds the structure after a covered peril
• Other structures — garage, fence, shed (typically 10% of dwelling coverage)
• Loss of rents — covers lost rental income while property is uninhabitable after a covered loss
• Liability coverage — protects landlord if a tenant or visitor is injured on the property
• Medical payments — small limit ($1k–$5k) regardless of fault

A DP-3 does not include the tenant's personal property — tenants must carry their own renters insurance. It also never includes flood or earthquake coverage. A landlord can add a flood endorsement or (in some states) a private flood rider, but earthquake always requires a standalone endorsement or policy.

When to Use a FAIR Plan

State FAIR (Fair Access to Insurance Requirements) plans are the insurer of last resort — they provide basic property coverage when standard admitted carriers decline to write a policy. Common reasons standard carriers decline include: high wildfire risk (CA, CO), proximity to the coast (FL, TX, NC, SC), property condition (deferred maintenance), or location in high-crime urban areas. FAIR plan policies typically cost more than standard market policies and provide fewer coverages — they are generally fire-only or named-peril only. In California, you must pair a FAIR Plan policy with a "Difference in Conditions" (DIC) policy to get wind, water-damage, and liability coverage.

Related Landlord Guides

Hazard categories from FEMA National Risk Index (fema.gov/flood-maps/products-tools/national-risk-index) and USGS National Seismic Hazard Model (usgs.gov/programs/earthquake-hazards). FAIR plan information from NAIC and individual state insurance department websites. Last updated April 29, 2026. For informational purposes only — not insurance or legal advice.