--- title: Landlord Insurance | Get a Quote | PJ&C Insurance description: Get a quote on landlord insurance with PJ&C Insurance. Explore our tailored insurance options for residents of AL, GA, MS, NC, SC, LA, TN, KY, FL, TX, NV, CA, CO, KS, OH, and DC today. --- For more than 50 years, Pepper, Johnstone & Company has been trusted with insuring families and businesses. We partner with 60+ insurance companies so that you can consider options that provide the most appropriate protection. # Landlord Insurance from Pepper, Johnstone & Company Protect your investment. As a landlord, you want insurance that's tailored specifically to protect your rental properties. A Landlord Protection policy gives you choices when purchasing the insurance coverage you need. ### Coverage Options Rental property is a great investment, especially if you protect your assets with excellent coverage. Make sure that you and your property are covered when choosing a landlord protection insurance policy. ### Protect Yourself Landlord Protection liability insurance options protect you and your spouse or domestic partner against personal injury, wrongful eviction, or wrongful entry as well as other non-bodily injury claims such as libel and slander. ### Extra Coverage Doesn't Have to Cost a Lot Many landlords supplement their coverage with [personal umbrella liability](/insurance/personal/umbrella-insurance) insurance for broader protection. Talk to us today about the amount of coverage that's right for you. ### Get a free quote for landlord insurance We'll provide you with a landlord insurance quote from an insurer that meets your needs and your budget. [GET A QUOTE](/insurance/personal/landlord-insurance/quote) [GET SERVICE](/claims-services) * * * ## Frequently Asked Questions about everything insurance ### What happens if I need to file an insurance claim? Always [contact us](/contact) first, so we can best advise you on whether filing the claim makes sense or can adversely impact your future premiums and is best for you to self-insure the loss. Don’t make the mistake of filing a small claim, since all claims stay on your claims record for 5-years, which will impact your insurance premium for a 5-year period. Let our in-house claims advocates help guide you through this process. ### What is a landlord insurance insurance policy deductible? The amount of loss paid by the policyholder. Either a specified dollar amount and/or a percentage of the total value. The larger the deductible, the lower the premium charged for the same coverage, since you are assuming a higher loss amount by taking a higher deductible. Insurance carriers only pay losses above the deductible amount, so if the loss incurred is not substantially above your deductible, it’s usually best to self-insure (i.e., pay the loss yourself out-of-pocket) by not filing it with your insurance carrier. ## What do people think about us? Hear from some actual clients. ![J.W. E.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-1.26763a560ec8c33e538d9a14d02e9af37b878ed2735807d5bbca818b43fecadb.webp) on Google We recently switched our home and auto policies to Pepper, Johnstone & Co and have had a great experience. Their entire team is not only knowledgeable but down to earth and willing to share their time, tips and creative ideas. They’ve helped us to achieve to comprehensive protection at the lowest possible cost. I would recommend Pepper, Johnstone and Co to anyone. **— J.W. E.** ![Teresa H.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/woman-1.9cb73af9c1e3961f57515ecda4c9f4e639df0eff922a19dccb73c30bfe4385f4.webp) on Google I am always pleased with the gracious and prompt responses to my insurance inquiries, to my specific insurance needs regarding several policies with Pepper, Johnstone & Company. The staff, especially Lauren Hart, makes every effort to take care of my insurance needs, addressing many concerns. I could not be more pleased and feel more secure knowing these folks are taking care of business for me and in my best interest. **— Teresa H.** ![Jeremiah H.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-2.f0d626a1e52b3f01c2be3c90db4d5d367c60b36ac6f55c3a5fecdb9bccc5bd8b.webp) on Google Pepper Johnstone has handled my personal and business insurance needs for years. They do good work and their staff is amazing! They are independent agents so they have access to several different lines of insurance to meet the needs of their clients. I highly recommend them. **— Jeremiah H.** ![Janet F.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/woman-2.8e76c5af7c1582529e66148a1be8aa0a919754e1706a80af3031e295450f4db1.webp) on Google This is a great company to work with! Casandra did an excellent job making sure my claim was completed in a timely manner. Julie is always there to help me any time I need to make changes to my insurance needs. The staff is always professional to work with. I trust Pepper, Johnstone & Company with all my insurance needs and have for many years. **— Janet F.** ![Russ L.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/man-3.b43c3cdfeb80d6382a553b4fec3a455754692db1f101fb39711934fad717fb96.webp) on Google I started a company in January 2019 & the team at Pepper Johnstone helped me from the beginning. We serve mid-cap to large public companies in Alabama, Colorado and Texas. And, Bryan has been critical in helping us meet and maintain the required commercial insurance policies and coverage levels. Key reasons that I've been so pleased primarily include their high level of technical competence and timely responsiveness on new or changing insurance coverage requests. They do a great job & I can highly recommend them. **— Russ L.** ![Sharon K.](https://webtricity-assets-2.wbtcdn.com/fab11678-4400-4e7b-9d4a-2a2f81685a28/images/avatars/woman-3.d6ed73e04052f6ca0a972880370cb7984efa8cba60e0be02698dd483bb838eb6.webp) on Google I have dealt with Pepper Johnstone and company in the past and have always had a good experience. This past week I needed a policy, I called Julie and she efficiently, and promptly quoted and bound coverage on the property. I would highly recommend Pepper Johnstone. **— Sharon K.** [MORE REVIEWS](/about/client-testimonials) ## Insurance Articles from the Pepper, Johnstone & Company blog [**SaaS Company Insurance: What a BOP Won't Cover** — A SaaS company can sign its first enterprise contract, close a seed round and onboard a dozen employees before anyone asks whether the insurance program actually matches the exposure. — A Business Owner’s Policy covers a slip-and-fall here, a damaged server there. It does _not_ cover a client lawsuit…](/blog/saas-company-insurance-what-a-bop-wont-cover) [**Professional Liability Insurance for Consultants & Accountants** — A client hires you for your expertise. You deliver the work, but they lose money anyway—and decide you are responsible. That scenario plays out thousands of times a year across professional services, and the costs are significant. — According to Swiss Re's 2024 Sigma report, U.S. liability claims…](/blog/professional-liability-insurance-what-consultants-accountants-need) [**General Contractor Insurance: A Complete Coverage Guide** — In 2019, a summer storm sent a construction crane crashing through an apartment building in Dallas, killing a 29-year-old woman sitting on her couch. Four years later, a jury found the developer negligent and awarded her family more than $860 million. The crane operator walked free. — Most people…](/blog/general-contractor-insurance-a-complete-coverage-guide) [View all articles](/blog) ## Related Types of Insurance [— Home Insurance — for homeowners](/insurance/personal/homeowner-insurance) [— Condo Insurance — for condominium owners](/insurance/personal/condo-insurance) [— Landlord Insurance — for landlords](/insurance/personal/landlord-insurance) [— Flood Insurance — for homeowners](/insurance/personal/flood-insurance) ```json {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What happens if I need to file an insurance claim?","acceptedAnswer":{"@type":"Answer","text":"Always contact us first, so we can best advise you on whether filing the claim makes sense or can adversely impact your future premiums and is best for you to self-insure the loss. 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