Landlord Liability Insurance in PA and MD
Insurance Built Around Your Rental Property
Owning rental property means taking on responsibility for more than just the building — tenant safety, property damage, and legal exposure are part of the job every day. At Kelly Glass Insurance, we take the time to understand how your rental operation actually works, then build coverage around you, not a generic policy.
We're based right on East Cumberland Street in Lebanon, PA, and we've been serving landlords like you since 2010.
Coverage Options for Landlords
- General Liability
- Tenant Injury Coverage
- Property Damage Liability
- Fair Rental Value Coverage
- Personal Injury Protection
- Loss of Rental Income
- Umbrella/Excess Liability
(Not every landlord needs every coverage — that's what a real conversation is for.)
Frequently Asked Questions
What does landlord liability insurance actually cover?
It helps pay medical expenses for an injured tenant or visitor, and covers legal defense and judgments if you're found liable for injury or property damage on your rental property, up to your policy limits.
Does my homeowners policy cover a property I rent out?
No. Standard homeowners policies typically exclude rental activity. A landlord policy is built specifically to cover the added risks of renting to tenants.
What is fair rental value coverage?
If your rental property becomes uninhabitable due to a covered loss, this coverage can help replace the rental income you'd otherwise lose while repairs are made.
Do you serve landlords outside of Lebanon, PA?
Yes. We serve landlords and rental property owners throughout Pennsylvania and Maryland.
Serving Our Neighbors Since 2010
We aren't just a voice on the phone; we're your neighbors on East Cumberland Street in Lebanon, PA.
- "Focusing on You" Reviews: Your rental portfolio changes — a new property, a new tenant, a renovation. We review your coverage periodically so gaps don't turn into claims.
- Claims Advocacy: A tenant injury or property damage claim shouldn't put your investment at risk. We're in your corner when the unexpected happens. Access our 24/7 Carriers Directory. For additional claims process questions, call us at (717) 272-2242 to talk to an associate.
- Local Knowledge, Regional Reach: We know the risks specific to rental properties across Pennsylvania and Maryland.
Ready to Get the Right Coverage?
Tell us about your rental property and we'll do the shopping for you — comparing top carriers across Pennsylvania and Maryland to find the right fit.
- Speak with an associate by calling (717) 272-2242.
- Text message us at (717) 455-3242.
- Get a free insurance review and quote by completing this information request.