Standard Insurance Won't Cover Your Rental Property Standard home insurance won't cover your rental property. Most landlords don't realize this until they file a claim and it's denied. Here's what you actually need. Most landlords think their standard home insurance covers their rental property. It doesn't. When they file a claim for a tenant-caused fire or water damage, the claim is denied and they're left with a £20,000+ bill. Landlord insurance is different from standard h