Loss of rental income is typically not covered under a standard property insurance policy. Property insurance primarily protects the physical structure of a property and its contents against risks like fire, theft, or vandalism. However, rental income loss coverage can often be added through an endorsement or separate policy called “loss of rent” or “business interruption insurance.” This additional coverage is designed to compensate landlords for lost rental income if the property becomes uninhabitable due to a covered event, like a fire or severe storm. It’s important for landlords to review their insurance policy and speak with their insurer to determine if such coverage is included or if it needs to be purchased separately. Without this additional coverage, landlords are typically responsible for the financial impact of lost rental income during the repair or rebuilding process after a claimable event.