Covers the rental property structure for fire, wind, hail, vandalism, and other covered perils. Landlord policies cover the building itself — tenants are responsible for insuring their own belongings.

Covers lost rental income if your property is damaged and uninhabitable. This is a critical coverage that standard homeowners policies don't provide — it replaces the rent you would have collected while repairs are made.

Covers you if a tenant or visitor is injured on your rental property and sues you. Oregon landlords face significant liability exposure — slip and falls, maintenance-related injuries, and other incidents. Umbrella policies provide additional protection.

Covers appliances, furnishings, and other property you provide as part of the rental. This is different from tenants' personal property — your tenants' belongings are their responsibility to insure.

Covers intentional damage caused by tenants or others. Oregon landlords can face significant repair costs from tenant-caused damage — landlord policies typically provide broader vandalism coverage than standard homeowners policies.

Standard landlord policies exclude flood damage and sewer backup. Flood insurance through the NFIP and water backup endorsements are available separately. Properties near rivers or in flood plains should strongly consider flood coverage.