The Landlord Bundle — one package, total protection.
Property insurance, tenant renters coverage, and home warranty protection in one package. Managed through VAB with veteran member pricing.
What's Included
What's included.
Three layers of protection in one bundle — plus optional Guaranteed Rent coverage for the income itself.
Property & Landlord Liability
Protects your rental property
- ✓Dwelling and structure coverage
- ✓Loss of rental income protection
- ✓Landlord liability up to $300K
- ✓Vandalism and malicious damage
Security Deposit Insurance
Move-out damage, covered beyond the deposit
- ✓Protects against move-out and end-of-lease damage
- ✓Works alongside your landlord liability coverage
- ✓One of the core layers in the bundle, not a separate policy
- ✓Enrolled with the rest of the bundle — no second application
Tenant Renters Insurance
Required by lease, enrolled automatically
- ✓Tenant personal property coverage
- ✓Tenant liability protection
- ✓Identity theft protection
- ✓Certificate delivered automatically
Home Warranty
Major systems & appliance protection, backed by The Veteran Alliance
- ✓HVAC, plumbing, electrical systems
- ✓Kitchen & laundry appliances
- ✓No-fault breakdown coverage
- ✓Pet liability coverage included
Guaranteed Rent
Optional add-on — your rental income, protected. The bundle protects the property and your liability — Guaranteed Rent protects the income itself.
- ✓Pays when a covered tenant defaults on rent
- ✓Priced by monthly rent band + term length
- ✓Enrolled per tenant, per lease
- ✓Stacks with the bundle — no second onboarding
Not a homeowners policy. A rental-property policy.
Standard homeowners insurance is built for owner-occupied homes. The Landlord Bundle is built for the risks a rental property actually carries.
| Coverage Area | Homeowners Policy | VAB Landlord Bundle |
|---|---|---|
| Occupancy | Requires owner-occupancy | Built for non-owner-occupied rentals |
| Rental activity | Typically excluded | Exactly what it's built to cover |
| Loss of rental income | Not included | Included in landlord liability coverage |
| Tenant liability & renters coverage | Not designed for it | Included, enrolled automatically |
| Move-out / security-deposit damage | Not addressed | Covered by security deposit insurance |
Built to Scale
One bundle, every portfolio size.
Single-Family
One rental home, fully bundled — liability, deposit coverage, tenant insurance, and warranty in one enrollment.
Multi-Unit
Duplexes, triplexes, and small multi-unit properties covered the same way, per property.
Portfolio (5+)
Managing five or more properties? Contact your VAB banker to discuss portfolio pricing.
Running short-term or midterm rentals instead of standard leases? See Short-Term Rental Insurance →
Member Advantages
Why choose the Landlord Bundle?
Veteran Pricing
Exclusive member rates for all coverage tiers.
Instant Certificates
Tenant renters certs delivered in minutes.
Auto-Renewal
Never miss a renewal — policies stay active automatically.
Dashboard Access
Manage everything from your VAB member portal.
How It Works
Get fully covered in four simple steps.
Register as Property Manager
Tell us about your rental property portfolio. We set up your property manager account and coverage.
Add Your Tenants
Enter tenant info or invite them directly. Each tenant gets a compliant renters policy.
Bundle & Activate
Your landlord liability policy activates alongside tenant coverage. Certificates delivered instantly.
Manage in One Place
Track all enrollments, certificates, and renewals through your VAB member dashboard.
Frequently Asked Questions
Everything you need to know about the Landlord Bundle.
Yes — tenant enrollment is required as a condition of the bundle. This protects both landlord and tenant. Tenants receive their certificate within minutes of enrollment.
Homeowners insurance covers owner-occupied properties. Landlord insurance (dwelling fire / rental property policy) is designed for non-owner-occupied rentals. Standard homeowners policies do NOT cover rental activity.
We support single-family, multi-unit, and portfolio landlords. Contact your VAB banker to discuss portfolio pricing if you manage 5+ properties.
The home warranty included in the bundle covers mechanical breakdown of covered systems and appliances, not tenant-caused damage (that's covered by the landlord liability policy). Both work together to give you complete protection.
That's Guaranteed Rent Insurance, an optional add-on. The bundle protects the property and your liability; Guaranteed Rent pays out if a covered tenant stops paying. It's priced by rent band and term, and once you're onboarded as a VAB landlord you can add it per tenant with no second application.
The full bundle with VAB member pricing requires a verified VAB membership. Non-members can apply through our consumer portal and will be referred to our insurance team.
It's one of the bundle's core coverage layers — it protects you against move-out and end-of-lease damage beyond what a security deposit would cover, alongside your landlord liability coverage. It's enrolled with the rest of the bundle, not a separate policy or a second application.
The Landlord Bundle is built for standard, long-term leases. If you host short-term or midterm stays, see our dedicated Short-Term Rental Insurance page instead — it's built for that exposure specifically.
Ready to Protect Your Rental?
Most landlords are enrolled and covered in under 15 minutes.
Insurance products are subject to underwriting approval and state availability.