Landlord Insurance in Columbus, Ohio

Smart Coverage for Smart Investments

Owning a rental property in Central Ohio comes with unique risks—and rewards. We help landlords protect their investment properties with insurance that works as hard as they do. For Property owners in Pickerington, Westerville, and surrounding communities who want peace of mind for every lease and every tenant.

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What's Covered

Landlord Insurance

Property Damage

Your investment, fully protected.

Covers the building’s structure from risks like fire, storms, and vandalism—keeping repairs from hitting your wallet.

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Loss of Rental Income

When your property can’t bring in rent.

Reimburses lost income if your unit becomes uninhabitable due to a covered event.

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Landlord Liability

Coverage when accidents happen on-site.

If a tenant or guest gets hurt on your property, this helps cover legal costs and medical expenses.

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Optional Add-Ons

Build a policy as unique as your property.

From equipment breakdown to tenant default, we’ll help you decide what’s worth adding.

THE FERGUSON DIFFERENCE

Why Work with Ferguson Insurance Advisors?

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Locally Rooted

Based in Central Ohio, just like you.

We live and work here—our team understands the unique risks and needs of homeowners in your area.

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Clear, Honest Guidance

We make insurance easy to understand.

You’ll always know what you’re buying and why it matters—with no fine-print confusion.

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Responsive, Real Support

Questions answered fast. Claims handled right.

Whether you’re comparing quotes or filing a claim, we’re here every step of the way.

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Your landlord insurance questions, answered.

We’re here to help you navigate coverage options. Below are answers to common questions about life insurance policies and how they work.

  • How is landlord insurance different from homeowners insurance?

    It’s designed for rental properties, not primary residences. It focuses more on property damage, liability, and rental income protection.

  • Does it cover tenant belongings?

    No, tenants need their own renters insurance for personal items.

  • What happens if my rental becomes unlivable?

    Loss of rent coverage can help replace the income you’d lose during repairs.

  • Am I covered if a tenant sues me?

    Yes—landlord liability insurance helps with legal costs and potential damages.

  • Do I need a separate policy for each property?

    Not always. We can often bundle multiple units into one policy to simplify things.