Landlord Insurance in Danville, IN
Protect Your Investment Properties with Landlord Insurance in Indiana
Owning a rental property can be a smart investment — but it comes with risks. From storm damage and tenant-caused issues to liability concerns, protecting your income property is critical. At Hadley Insurance, we provide reliable landlord insurance in Danville, Brownsburg, and across Hendricks County so you can rent with peace of mind.
As an independent, veteran-owned agency, we compare landlord insurance policies from top-rated carriers to find the right coverage for your property and situation.
What Does Landlord Insurance Cover?
Our Indiana landlord insurance policies are designed for single-family homes, duplexes, and small apartment buildings. Coverage options include:
- Dwelling Protection – Covers physical damage to the structure from fire, hail, wind, and more.
- Loss of Rental Income – Reimburses lost rent if your property becomes uninhabitable due to a covered event.
- Landlord Liability Insurance – Helps pay legal expenses if someone is injured on your rental property.
- Vandalism & Theft – Optional coverage to protect against tenant or third-party damage.
- Optional Equipment Breakdown – Protects essential systems like HVAC or water heaters.
Who Needs Landlord Insurance in Indiana?
Landlord insurance is essential for anyone renting out residential property — whether full-time or part-time. This includes:
- Accidental landlords who inherited or temporarily rent out property
- Investors with rental portfolios in Danville, Brownsburg, or Avon
- Homeowners with basement or accessory dwelling unit rentals
- Snowbird owners who rent out Indiana homes during winter months
Local Rental Property Risks in Hendricks County
While Indiana offers great opportunities for landlords, it also presents risks:
- Hail & wind damage — especially during spring and summer storms
- Tenant - caused fire or water damage
- Slip-and-fall injuries on icy sidewalks or stairs
- Vandalism and vacancy-related issues
Having the right insurance ensures you're protected against the unexpected.
Frequently Asked Questions
Indiana Landlord Insurance
Is landlord insurance required in Indiana?
It’s not legally required, but most mortgage lenders mandate landlord coverage for rental properties. It’s also critical to protect your investment.
Does homeowners insurance cover rental properties?
No — standard home insurance typically excludes tenant-occupied homes. You need a dedicated landlord policy.
Can I bundle landlord insurance with my home or auto policies?
Yes. Many carriers offer discounts for bundling landlord, home, auto, or umbrella policies through Hadley Insurance.
What if my tenant doesn’t have renters insurance?
While not legally required, we recommend requiring it in your lease. Your landlord policy won’t cover tenant belongings.
Do you insure short-term rentals or Airbnbs in Indiana?
Yes — with the right endorsements. Let us know your situation, and we’ll find appropriate coverage.
Protect Your Property, Maximize Peace of Mind
Reliable Landlord Insurance in Danville, Brownsburg & Hendricks County
Your rental property deserves more than a basic policy. At Hadley Insurance, we help Indiana landlords protect what matters most — with responsive service, smart coverage, and local expertise.