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https://innago.com/landlord-insurance-what-is-it-and-do-you-need-it/ is different, as some companies offer different coverage from others, and often your personal needs and preferences play into your coverage as well. What is covered in landlord insurance depends on your property’s location, specifications, the hazards it’s particularly vulnerable to (e.g., flooding if your property is in a flood zone), and your personal preferences.