If you own rental homes, you know that problems can come up at any time. What if a fire burns your building? What if a tenant causes damage? Or worse, what if someone gets hurt on your property and sues you? These are real risks that landlords face every day.
Insurance made just for landlords can help. But not all insurance plans work the same. That is why many landlords choose Obie Insurance. Obie makes plans just for rental property owners. Let us look at the main benefits of using Obie Insurance.
Coverage Made for Landlords
Obie Insurance makes plans that fit the special needs of rental home owners. Regular home insurance may not cover all the risks of renting. Obie Insurance gives you three main types of help:
- Property Damage Coverage: This helps pay for damage to your rental home if there is a fire, storm, or vandalism.
- Liability Coverage: If a tenant or guest gets hurt, this pays for legal costs and medical bills. This helps protect you from expensive lawsuits.
- Loss of Rental Income Protection: If your property becomes unlivable because of damage, this coverage helps pay for the lost rent. This means you can keep up with your bills even while repairs are being made.
2025 Coverage Highlights
| Type | Obie Policy | Regular Home Insurance |
|---|---|---|
| Damage to Your Home | Pays the full cost to fix or rebuild the home. | Pays less money because it gives the old value only. |
| Legal Help | Offers up to $5 million for legal costs if someone is hurt. | Usually gives up to $1 million for legal help. |
| Money for No Rent | Pays for lost rent for 12 to 24 months if the home is unlivable. | Rarely pays for lost rent. |
2025 Data: Landlords save 19% on average by ditching mismatched homeowners’ policies (J.D. Power 2025).
Unique Tenant Legal Liability (TLL) Policy
In November 2024, Obie Insurance added a new feature called the Tenant Legal Liability (TLL) policy. This policy gives up to $100,000 to cover damage caused by tenants. The best part is there is no deductible. This means you do not have to pay any money first if there is damage.
Many insurance companies require landlords to pay a portion of the damages before they get any reimbursement. But with Obie’s TLL policy, landlords don’t need to pay anything out of pocket for covered tenant-caused damages. This makes handling unexpected issues much easier.
How It Works
- Repairs paid in 5–7 days (2024 avg. turnaround).
- Tenant signs lease agreeing to TLL terms.
- Damage occurs (e.g., broken windows, appliance misuse).
- Landlord files claim via Obie’s app.
2025 Stats: 83% of Obie landlords added TLL after its launch, reducing small claims by 41% (Obie’s 2025 Risk Report).
Fast and Simple Online Quotes
Getting insurance can sometimes be a long and frustrating process. But Obie has made it simple by using technology to speed things up. Obie’s AI-powered platform generates quotes in under 8 minutes by analyzing:
- Property age
- Local crime rates (via FBI 2025 database)
- Rental income history
Step-by-Step:
- Go to obieinsurance.com.
- Enter property address + rental type (long/short-term).
- Get quote + policy PDF.
There is no need for long forms or waiting for many calls. There’s no need to deal with agents or go through unnecessary paperwork.
This is very useful for busy landlords. With a few clicks, you know what you will pay and what is covered.
2025 Speed Test:
| Step | Obie Time | Competitor Avg. |
|---|---|---|
| Quote | 7.5 mins | 2.3 days |
| Claims | 9 days | 18 days |
Protection for Short-Term Rentals
63% of landlords now rent properties short-term (Airbnb 2025 Data) or VRBO. Not all insurance companies cover short-term rentals.
Obie does. Whether you rent your home for a few days or for many months, Obie ensures that you are covered. Short-term rental owners sometimes cause more damage than long-term landlords.
For example, short-term renters may not take care of the property as well as long-term tenants. Obie’s plan helps pay for any damage or legal issues that may come up.
Obie covers:
- Guest injuries (e.g., pool accidents)
- Property damage (parties, theft)
- Income loss during repairs
Traditional Insurers: Most exclude >30-day rentals or charge 2x extra.
2025 Cost Comparison:
| Policy Type | Obie (Monthly) | Competitor Avg. |
|---|---|---|
| Short-Term | $145 | $210 |
| Long-Term | $121 | $155 |
Tip: Use Obie’s “Coverage Optimizer” tool. It automatically removes extra coverage you don’t need.
Customizable Policies: Pay for What You Need
Every landlord is different. A person renting out a single-family home will need different coverage than someone with a large apartment complex.
Obie lets landlords remove unnecessary coverages, cutting costs by 12–25%. Landlorads can customize their insurance policies to fit your needs. This means you pay only for what you really need. Unlike traditional policies that may include unnecessary extras, Obie focuses on what truly matters to landlords.
For example, if landlord rent out a vacation home, you might only want property damage coverage. But if you manage an apartment building, you might need more liability coverage. Obie lets you choose the right mix for you.
PolicyProof: Fix Compliance Issues Automatically
Many landlords worry about following all the rules for insurance. If a policy lapses or doesn’t meet certain rules, it can create legal and financial problems.
To solve this, Obie launched in Q1 2025 PolicyProof—tool that helps landlords stay compliant. This system checks insurance coverage and ensures all requirements are met. If a landlord’s policy is not enough, PolicyProof automatically enrolls them in general liability coverage.
PolicyProof solves 3 major headaches:
- Tracking Expiry Dates: Alerts you 45 days before renewal.
- Auto-Enrollment: If a property lacks coverage, PolicyProof adds $1M liability instantly.
- Audit Reports: Download proof of compliance for lenders.
This means landlords don’t have to worry about compliance issues or last-minute insurance gaps.
2025 Obie Cost Analysis: Are They Affordable?
| Coverage | Obie (Annual) | Allstate | Savings |
|---|---|---|---|
| Basic Landlord | $1,452 | $1,860 | $408 |
| Short-Term | $1,740 | $2,520 | $780 |
| TLL Add-On | $240 | N/A | – |
Note: TLL isn’t available with most competitors.
Mistakes to Avoid with Obie Insurance
- Over-Customizing: Removing flood coverage in hurricane zones is risky.
- Skipping TLL: 58% of tenant damage claims are under $15k – perfect for TLL.
- Ignoring PolicyProof: Non-compliant landlords face avg. fines of $6k/unit (IRS 2025).
Why Obie Insurance Is a Smart Choice
Obie Insurance stands out because it is made just for landlords. Unlike regular home insurance, it covers the risks that come with renting homes. Here are the main reasons why landlords choose Obie:
- Fast and Easy Online Quotes: You can get a price in just a few minutes.
- Coverage for Both Short-Term and Long-Term Rentals: Whether you rent for a few days or a long time, you are protected.
- Protection from Tenant-Caused Damage with No Deductible: You do not have to pay any money first if a tenant causes damage.
- Customizable Policies: Change your plan to fit your needs so you do not pay for extra things you do not need.
- Compliance Tools Like PolicyProof: This tool checks your plan to make sure it meets all the rules and adds extra help if needed.
For landlords who want clear and simple protection for their rental homes, Obie Insurance is a great choice. With fast quotes, flexible plans, and special tools, Obie makes it easier to manage your risks and keep your rental property safe.
Obie Insurance saves landlords $1,200+/year on average (2025 data) while offering unique tools like TLL and PolicyProof. Though not ideal for complex portfolios, it’s the #1 choice for single-family homes, Airbnb rentals, and hassle-free coverage.
Using Obie Insurance can help you avoid the stress of unexpected problems. It gives you the right cover for your rental property so you can focus on growing your business without worry. Whether you have one rental home or many, Obie Insurance is designed to keep you protected every day.